Call reports 2005
BANK OF PENSACOLA — 2005
What BANK OF PENSACOLA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 65,651,000 | 66,734,000 | 63,262,000 | 59,953,000 |
| Total loans | 6,186,000 | 6,138,000 | 6,840,000 | 6,504,000 |
| Allowance for loan losses | 165,000 | 165,000 | 165,000 | 166,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 48,597,000 | 45,502,000 | 45,413,000 | 45,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,228,000 | 54,700,000 | 50,644,000 | 47,237,000 |
| Interest-bearing deposits | 31,796,000 | 34,879,000 | 30,229,000 | 29,772,000 |
| Noninterest-bearing deposits | 20,432,000 | 19,821,000 | 20,415,000 | 17,465,000 |
| Equity capital | 11,811,000 | 11,964,000 | 12,430,000 | 12,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,118,000 | 1,686,000 | 2,229,000 |
| Interest expense | 53,000 | 117,000 | 179,000 | 238,000 |
| Net interest income | 493,000 | 1,001,000 | 1,507,000 | 1,991,000 |
| Noninterest income | 188,000 | 394,000 | 893,000 | 1,099,000 |
| Noninterest expense | 714,000 | 1,187,000 | 1,635,000 | 2,139,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -33,000 | 208,000 | 765,000 | 951,000 |
| Income tax | 0 | 88,000 | 179,000 | 237,000 |
| Net income | -33,000 | 120,000 | 586,000 | 714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,811,000 | 11,964,000 | 12,430,000 | 12,558,000 |
| Total capital | 11,927,000 | 12,090,000 | 12,565,000 | 12,691,000 |
| Risk-weighted assets | 9,232,000 | 10,022,000 | 10,804,000 | 10,464,000 |
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