Call reports 2019
BALDWIN STATE BANK, THE — 2019
What BALDWIN STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 79,835,000 | 79,895,000 | 78,100,000 | 82,144,000 |
| Total loans | 35,037,000 | 37,468,000 | 36,815,000 | 39,672,000 |
| Allowance for loan losses | 528,000 | 559,000 | 499,000 | 498,000 |
| Securities available for sale | 27,670,000 | 26,650,000 | 24,924,000 | 23,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,889,000 | 70,569,000 | 68,739,000 | 72,647,000 |
| Interest-bearing deposits | 52,736,000 | 53,251,000 | 51,311,000 | 54,981,000 |
| Noninterest-bearing deposits | 18,153,000 | 17,317,000 | 17,427,000 | 17,667,000 |
| Equity capital | 8,173,000 | 8,559,000 | 8,605,000 | 8,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 675,000 | 1,373,000 | 2,080,000 | 2,782,000 |
| Interest expense | 176,000 | 332,000 | 480,000 | 618,000 |
| Net interest income | 499,000 | 1,041,000 | 1,600,000 | 2,164,000 |
| Noninterest income | 110,000 | 232,000 | 343,000 | 456,000 |
| Noninterest expense | 497,000 | 946,000 | 1,390,000 | 1,930,000 |
| Provision for loan losses | 3,000 | 34,000 | 244,000 | 244,000 |
| Pretax income | 109,000 | 293,000 | 309,000 | 446,000 |
| Income tax | -4,000 | 9,000 | 7,000 | 9,000 |
| Net income | 113,000 | 284,000 | 302,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,067,000 | 8,479,000 | 8,604,000 | 8,603,000 |
| Total capital | 8,474,000 | 8,904,000 | 9,006,000 | 9,045,000 |
| Risk-weighted assets | 32,453,000 | 33,848,000 | 32,029,000 | 35,316,000 |