Call reports 2013
BALDWIN STATE BANK, THE — 2013
What BALDWIN STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 79,595,000 | 78,039,000 | 75,464,000 | 75,355,000 |
| Total loans | 35,573,000 | 35,837,000 | 34,231,000 | 33,712,000 |
| Allowance for loan losses | 690,000 | 772,000 | 751,000 | 718,000 |
| Securities available for sale | 38,730,000 | 35,013,000 | 31,757,000 | 34,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,628,000 | 70,299,000 | 67,516,000 | 67,412,000 |
| Interest-bearing deposits | 58,162,000 | 57,674,000 | 53,297,000 | 51,125,000 |
| Noninterest-bearing deposits | 13,466,000 | 12,625,000 | 14,219,000 | 16,287,000 |
| Equity capital | 6,965,000 | 6,748,000 | 6,972,000 | 6,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 556,000 | 1,065,000 | 1,607,000 | 2,132,000 |
| Interest expense | 61,000 | 108,000 | 150,000 | 190,000 |
| Net interest income | 495,000 | 957,000 | 1,457,000 | 1,942,000 |
| Noninterest income | 146,000 | 283,000 | 432,000 | 569,000 |
| Noninterest expense | 561,000 | 1,030,000 | 1,493,000 | 2,037,000 |
| Provision for loan losses | 0 | 0 | 0 | 21,000 |
| Pretax income | 80,000 | 216,000 | 393,000 | 450,000 |
| Income tax | 6,000 | 6,000 | 11,000 | 11,000 |
| Net income | 74,000 | 210,000 | 382,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,442,000 | 6,578,000 | 6,749,000 | 6,807,000 |
| Total capital | 6,883,000 | 7,030,000 | 7,181,000 | 7,231,000 |
| Risk-weighted assets | 35,032,000 | 35,845,000 | 34,244,000 | 33,613,000 |
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