Call reports 2020
BALDWIN STATE BANK, THE — 2020
What BALDWIN STATE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 83,179,000 | 92,212,000 | 88,125,000 | 91,360,000 |
| Total loans | 39,359,000 | 45,192,000 | 46,560,000 | 47,475,000 |
| Allowance for loan losses | 505,000 | 502,000 | 517,000 | 561,000 |
| Securities available for sale | 21,483,000 | 22,076,000 | 21,664,000 | 20,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,594,000 | 82,051,000 | 77,778,000 | 81,005,000 |
| Interest-bearing deposits | 55,970,000 | 59,939,000 | 56,459,000 | 59,359,000 |
| Noninterest-bearing deposits | 17,623,000 | 22,112,000 | 21,319,000 | 21,647,000 |
| Equity capital | 8,837,000 | 9,407,000 | 9,613,000 | 9,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 1,501,000 | 2,156,000 | 2,792,000 |
| Interest expense | 138,000 | 233,000 | 326,000 | 414,000 |
| Net interest income | 568,000 | 1,268,000 | 1,830,000 | 2,378,000 |
| Noninterest income | 117,000 | 201,000 | 293,000 | 388,000 |
| Noninterest expense | 475,000 | 908,000 | 1,361,000 | 1,921,000 |
| Provision for loan losses | 10,000 | 10,000 | 26,000 | 67,000 |
| Pretax income | 200,000 | 551,000 | 736,000 | 778,000 |
| Income tax | 0 | 20,000 | 20,000 | 32,000 |
| Net income | 200,000 | 531,000 | 716,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,591,000 | 8,751,000 | 9,107,000 | 9,137,000 |
| Total capital | 9,016,000 | — | — | — |
| Risk-weighted assets | 33,953,000 | — | — | — |