First National Bank of Baldwin County is chartered as a National Bank, headquartered in the state of Alabama.  The bank was established on December 28, 2001and has been FDIC insured since December 28, 2001.  The primary regulator is the Office of the Comptroller of the Currency (OCC).  As of December 31 2008, First National Bank of Baldwin County generated assets of $267,207,000.00 and total deposits of $228,620,000.  For the full year of 2008 the bank had a net loss of -$4,035,000.  The bank has approximately 79 employees in six bank branches.

First National Bank of Baldwin County most recent performance ratios.
As of December 31, 2008:

Return on equity (ROE) -16.26%
Return on assets (ROA) -1.58%
Yield on earning assets 6.06%
Cost of funding earning assets 2.73%
Noncurrent loans to loans 1.80% 
Equity capital to assets 9.34% 
Core capital (leverage) ratio 9.06% 
Tier 1 risk-based capital ratio 11.11% 
Total risk-based capital ratio 12.37%

First National Bank of Baldwin County products and services:

Free checking accounts, access checking account, money market, certificates of deposit, savings accounts, checking with high interest rates, 50 + checking, first account available to ages 24 and younger, first and second mortgages for conventional, VA, conforming and jumbo loans, interest only mortgages, fixed rate and adjustable mortgages, business checking, streamlined business checking, sole proprietor checking, non-profit account, corporate sweep account, business money market account and a condo/homeowners association account.

Bank branch locations:

First National Bank of Baldwin County
Foley Main Bank Branch
1207 North McKenzie Street
Foley, AL 36535
Phone: 251.943.5656
Fax: 251.943.5757

Gulf Shores Bank Branch
205 East 20th Avenue
Gulf Shores, AL 36542
Phone: 251.968.6565
Fax: 251.968.1960

Fairhope Bank Branch
408 Fairhope Avenue
Fairhope, AL 36532
Phone: 251.990.6474
Fax: 251.990.6677

Orange Beach Bank Branch
25556 Canal Road
Orange Beach, AL 36561
Phone: 251.923.1000
Fax: 251.943.6053

Daphne Bank Branch
1415 Hwy 98
Daphne, AL 36526
Phone: 251.621.9101
Fax: 251.445.0606

Spanish Fort Bank Branch
6470 Spanish Fort Blvd.
Spanish Fort, AL 36527
Phone: 251.621.7550
Fax: 251.445.6292

Bay Minette Loan Production Office
211 B East First Street
Bay Minette, AL 36507
Phone: 251.937.5337
Fax: 251.937.3733

Web address: www.firstbaldwin.com

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