Call reports 2023
BALDWIN STATE BANK, THE — 2023
What BALDWIN STATE BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 92,034,000 | 97,405,000 | 100,159,000 | 98,317,000 |
| Total loans | 46,241,000 | 48,674,000 | 48,053,000 | 48,144,000 |
| Allowance for loan losses | 780,000 | 766,000 | 768,000 | 648,000 |
| Securities available for sale | 32,694,000 | 30,570,000 | 34,876,000 | 34,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,752,000 | 87,145,000 | 89,809,000 | 87,319,000 |
| Interest-bearing deposits | 54,536,000 | 61,149,000 | 63,419,000 | 63,578,000 |
| Noninterest-bearing deposits | 27,215,000 | 25,996,000 | 26,390,000 | 23,741,000 |
| Equity capital | 8,593,000 | 8,548,000 | 8,610,000 | 9,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 780,000 | 1,601,000 | 2,549,000 | 3,509,000 |
| Interest expense | 222,000 | 482,000 | 841,000 | 1,227,000 |
| Net interest income | 558,000 | 1,119,000 | 1,708,000 | 2,282,000 |
| Noninterest income | 96,000 | 205,000 | 299,000 | 389,000 |
| Noninterest expense | 514,000 | 1,051,000 | 1,588,000 | 2,186,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 144,000 | 276,000 | 422,000 | 488,000 |
| Income tax | 10,000 | 18,000 | 20,000 | 20,000 |
| Net income | 134,000 | 258,000 | 402,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,760,000 | 9,884,000 | 10,028,000 | 10,094,000 |