Call reports 2016
BALDWIN STATE BANK, THE — 2016
What BALDWIN STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 73,150,000 | 74,622,000 | 69,584,000 | 71,461,000 |
| Total loans | 30,304,000 | 31,402,000 | 30,711,000 | 31,442,000 |
| Allowance for loan losses | 613,000 | 617,000 | 620,000 | 627,000 |
| Securities available for sale | 32,071,000 | 32,888,000 | 30,430,000 | 32,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,872,000 | 66,040,000 | 60,906,000 | 60,943,000 |
| Interest-bearing deposits | 47,889,000 | 50,569,000 | 45,426,000 | 44,099,000 |
| Noninterest-bearing deposits | 16,982,000 | 15,472,000 | 15,481,000 | 16,843,000 |
| Equity capital | 7,425,000 | 7,743,000 | 7,848,000 | 7,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 480,000 | 973,000 | 1,470,000 | 1,976,000 |
| Interest expense | 28,000 | 58,000 | 89,000 | 121,000 |
| Net interest income | 452,000 | 915,000 | 1,381,000 | 1,855,000 |
| Noninterest income | 118,000 | 228,000 | 349,000 | 466,000 |
| Noninterest expense | 451,000 | 840,000 | 1,299,000 | 1,797,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 119,000 | 303,000 | 431,000 | 524,000 |
| Income tax | 9,000 | 9,000 | 13,000 | 15,000 |
| Net income | 110,000 | 294,000 | 418,000 | 509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,308,000 | 7,490,000 | 7,616,000 | 7,706,000 |
| Total capital | 7,686,000 | 7,874,000 | 7,994,000 | 8,096,000 |
| Risk-weighted assets | 29,991,000 | 30,345,000 | 30,000,000 | 30,937,000 |