Call reports 2015
BALDWIN STATE BANK, THE — 2015
What BALDWIN STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 71,070,000 | 70,341,000 | 66,232,000 | 71,874,000 |
| Total loans | 28,824,000 | 29,943,000 | 29,426,000 | 31,256,000 |
| Allowance for loan losses | 596,000 | 598,000 | 606,000 | 610,000 |
| Securities available for sale | 31,721,000 | 31,953,000 | 29,667,000 | 32,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,917,000 | 62,138,000 | 57,844,000 | 63,618,000 |
| Interest-bearing deposits | 47,139,000 | 47,816,000 | 44,285,000 | 48,668,000 |
| Noninterest-bearing deposits | 15,777,000 | 14,322,000 | 13,560,000 | 14,949,000 |
| Equity capital | 7,259,000 | 7,322,000 | 7,515,000 | 7,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 480,000 | 938,000 | 1,405,000 | 1,861,000 |
| Interest expense | 26,000 | 49,000 | 72,000 | 98,000 |
| Net interest income | 454,000 | 889,000 | 1,333,000 | 1,763,000 |
| Noninterest income | 142,000 | 273,000 | 491,000 | 624,000 |
| Noninterest expense | 567,000 | 1,033,000 | 1,469,000 | 1,999,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 29,000 | 129,000 | 355,000 | 388,000 |
| Income tax | 0 | -2,000 | 11,000 | 15,000 |
| Net income | 29,000 | 131,000 | 344,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,003,000 | 7,104,000 | 7,319,000 | 7,395,000 |
| Total capital | 7,396,000 | 7,471,000 | 7,676,000 | 7,777,000 |
| Risk-weighted assets | 31,273,000 | 29,147,000 | 28,376,000 | 30,314,000 |