Call reports 2012
BALDWIN STATE BANK, THE — 2012
What BALDWIN STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 77,704,000 | 79,118,000 | 78,625,000 | 77,999,000 |
| Total loans | 34,847,000 | 36,321,000 | 35,639,000 | 35,326,000 |
| Allowance for loan losses | 685,000 | 676,000 | 727,000 | 683,000 |
| Securities available for sale | 39,828,000 | 37,040,000 | 37,393,000 | 36,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,074,000 | 71,578,000 | 70,902,000 | 70,002,000 |
| Interest-bearing deposits | 57,678,000 | 60,583,000 | 59,496,000 | 56,741,000 |
| Noninterest-bearing deposits | 11,396,000 | 10,995,000 | 11,406,000 | 13,261,000 |
| Equity capital | 7,034,000 | 6,951,000 | 7,143,000 | 6,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 631,000 | 1,173,000 | 1,789,000 | 2,305,000 |
| Interest expense | 87,000 | 166,000 | 240,000 | 307,000 |
| Net interest income | 544,000 | 1,007,000 | 1,549,000 | 1,998,000 |
| Noninterest income | 117,000 | 271,000 | 378,000 | 549,000 |
| Noninterest expense | 500,000 | 996,000 | 1,430,000 | 2,026,000 |
| Provision for loan losses | 2,000 | 43,000 | 208,000 | 256,000 |
| Pretax income | 159,000 | 239,000 | 292,000 | 268,000 |
| Income tax | 0 | 8,000 | 0 | 0 |
| Net income | 159,000 | 231,000 | 292,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,498,000 | 6,450,000 | 6,512,000 | 6,367,000 |
| Total capital | 6,912,000 | 6,888,000 | 6,945,000 | 6,796,000 |
| Risk-weighted assets | 32,849,000 | 34,835,000 | 34,366,000 | 34,049,000 |
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