Call reports 2007
BANK OF PENSACOLA — 2007
What BANK OF PENSACOLA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 53,683,000 | 55,043,000 | 54,640,000 | 55,226,000 |
| Total loans | 6,548,000 | 6,753,000 | 8,962,000 | 8,497,000 |
| Allowance for loan losses | 165,000 | 165,000 | 163,000 | 163,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 38,872,000 | 36,337,000 | 32,314,000 | 29,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,768,000 | 42,020,000 | 41,593,000 | 42,105,000 |
| Interest-bearing deposits | 28,705,000 | 26,091,000 | 27,659,000 | 29,280,000 |
| Noninterest-bearing deposits | 12,063,000 | 15,929,000 | 13,934,000 | 12,825,000 |
| Equity capital | 12,790,000 | 12,930,000 | 12,954,000 | 13,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 460,000 | 921,000 | 1,397,000 | 1,891,000 |
| Interest expense | 76,000 | 151,000 | 231,000 | 315,000 |
| Net interest income | 384,000 | 770,000 | 1,166,000 | 1,576,000 |
| Noninterest income | 158,000 | 339,000 | 515,000 | 704,000 |
| Noninterest expense | 723,000 | 1,176,000 | 1,705,000 | 2,198,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -181,000 | -67,000 | -24,000 | 82,000 |
| Income tax | 0 | -26,000 | -7,000 | 42,000 |
| Net income | -181,000 | -41,000 | -17,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,790,000 | 12,930,000 | 12,954,000 | 13,011,000 |
| Total capital | 12,907,000 | 13,064,000 | 13,117,000 | 13,174,000 |
| Risk-weighted assets | 9,335,000 | 10,703,000 | 13,100,000 | 13,548,000 |
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