Call reports 2014
BALDWIN STATE BANK, THE — 2014
What BALDWIN STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 73,290,000 | 74,695,000 | 71,515,000 | 68,411,000 |
| Total loans | 31,371,000 | 31,023,000 | 30,726,000 | 30,541,000 |
| Allowance for loan losses | 717,000 | 605,000 | 605,000 | 608,000 |
| Securities available for sale | 36,954,000 | 35,034,000 | 33,268,000 | 31,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,395,000 | 66,584,000 | 63,328,000 | 60,161,000 |
| Interest-bearing deposits | 51,222,000 | 52,730,000 | 49,730,000 | 44,962,000 |
| Noninterest-bearing deposits | 14,173,000 | 13,854,000 | 13,598,000 | 15,199,000 |
| Equity capital | 6,943,000 | 7,174,000 | 7,265,000 | 7,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 511,000 | 1,046,000 | 1,529,000 | 2,008,000 |
| Interest expense | 36,000 | 71,000 | 100,000 | 128,000 |
| Net interest income | 475,000 | 975,000 | 1,429,000 | 1,880,000 |
| Noninterest income | 140,000 | 272,000 | 446,000 | 684,000 |
| Noninterest expense | 527,000 | 999,000 | 1,483,000 | 2,076,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 5,000 |
| Pretax income | 88,000 | 248,000 | 392,000 | 486,000 |
| Income tax | 14,000 | 14,000 | 14,000 | 19,000 |
| Net income | 74,000 | 234,000 | 378,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,730,000 | 6,890,000 | 7,034,000 | 7,124,000 |
| Total capital | 7,122,000 | 7,284,000 | 7,422,000 | 7,500,000 |
| Risk-weighted assets | 31,058,000 | 31,329,000 | 30,844,000 | 29,832,000 |
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