Call reports 2018
BALDWIN STATE BANK, THE — 2018
What BALDWIN STATE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 76,715,000 | 77,763,000 | 75,371,000 | 78,949,000 |
| Total loans | 33,371,000 | 36,361,000 | 35,293,000 | 36,874,000 |
| Allowance for loan losses | 644,000 | 653,000 | 656,000 | 659,000 |
| Securities available for sale | 30,540,000 | 29,179,000 | 28,206,000 | 28,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,401,000 | 69,350,000 | 66,900,000 | 70,120,000 |
| Interest-bearing deposits | 51,930,000 | 53,610,000 | 50,720,000 | 53,444,000 |
| Noninterest-bearing deposits | 16,471,000 | 15,740,000 | 16,180,000 | 16,676,000 |
| Equity capital | 7,528,000 | 7,626,000 | 7,677,000 | 8,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 580,000 | 1,211,000 | 1,856,000 | 2,520,000 |
| Interest expense | 76,000 | 188,000 | 304,000 | 445,000 |
| Net interest income | 504,000 | 1,023,000 | 1,552,000 | 2,075,000 |
| Noninterest income | 120,000 | 236,000 | 343,000 | 453,000 |
| Noninterest expense | 477,000 | 893,000 | 1,355,000 | 1,861,000 |
| Provision for loan losses | 0 | 9,000 | 9,000 | 9,000 |
| Pretax income | 147,000 | 357,000 | 531,000 | 658,000 |
| Income tax | 0 | 11,000 | 23,000 | 26,000 |
| Net income | 147,000 | 346,000 | 508,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,922,000 | 8,121,000 | 8,282,000 | 8,406,000 |
| Total capital | 8,310,000 | 8,533,000 | 8,685,000 | 8,822,000 |
| Risk-weighted assets | 30,838,000 | 32,749,000 | 31,959,000 | 33,070,000 |