Call reports 2009
BALDWIN STATE BANK, THE — 2009
What BALDWIN STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 65,663,000 | 66,853,000 | 64,524,000 | 62,658,000 |
| Total loans | 36,083,000 | 35,432,000 | 35,384,000 | 34,323,000 |
| Allowance for loan losses | 807,000 | 879,000 | 845,000 | 773,000 |
| Securities available for sale | 24,998,000 | 25,690,000 | 26,104,000 | 25,045,000 |
| Securities held to maturity | 265,000 | 265,000 | 135,000 | 135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,197,000 | 59,543,000 | 56,102,000 | 54,242,000 |
| Interest-bearing deposits | 49,324,000 | 50,942,000 | 47,776,000 | 44,758,000 |
| Noninterest-bearing deposits | 8,873,000 | 8,601,000 | 8,325,000 | 9,484,000 |
| Equity capital | 6,907,000 | 6,749,000 | 6,939,000 | 6,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 737,000 | 1,417,000 | 2,080,000 | 2,769,000 |
| Interest expense | 172,000 | 343,000 | 512,000 | 662,000 |
| Net interest income | 565,000 | 1,074,000 | 1,568,000 | 2,107,000 |
| Noninterest income | 122,000 | 251,000 | 373,000 | 502,000 |
| Noninterest expense | 525,000 | 1,037,000 | 1,532,000 | 2,140,000 |
| Provision for loan losses | 113,000 | 195,000 | 335,000 | 361,000 |
| Pretax income | 49,000 | 93,000 | 74,000 | 108,000 |
| Income tax | 0 | 6,000 | 1,000 | 4,000 |
| Net income | 49,000 | 87,000 | 73,000 | 104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,382,000 | 6,301,000 | 6,285,000 | 6,197,000 |
| Total capital | 6,762,000 | 6,687,000 | 6,665,000 | 6,571,000 |
| Risk-weighted assets | 29,944,000 | 30,399,000 | 29,975,000 | 29,530,000 |
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