Call reports 2009
BANK OF PENSACOLA — 2009
What BANK OF PENSACOLA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 57,322,000 | 60,411,000 | 59,068,000 | 53,809,000 |
| Total loans | 5,805,000 | 6,336,000 | 5,463,000 | 5,181,000 |
| Allowance for loan losses | 154,000 | 131,000 | 133,000 | 132,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 38,248,000 | 35,194,000 | 34,085,000 | 37,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,265,000 | 47,289,000 | 45,988,000 | 40,788,000 |
| Interest-bearing deposits | 32,350,000 | 30,138,000 | 30,095,000 | 26,955,000 |
| Noninterest-bearing deposits | 11,915,000 | 17,151,000 | 15,893,000 | 13,833,000 |
| Equity capital | 12,954,000 | 13,000,000 | 12,967,000 | 12,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 382,000 | 753,000 | 1,104,000 | 1,463,000 |
| Interest expense | 46,000 | 89,000 | 121,000 | 149,000 |
| Net interest income | 336,000 | 664,000 | 983,000 | 1,314,000 |
| Noninterest income | 230,000 | 469,000 | 684,000 | 866,000 |
| Noninterest expense | 754,000 | 1,247,000 | 1,836,000 | 2,409,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -188,000 | -114,000 | -169,000 | -229,000 |
| Income tax | -72,000 | -44,000 | -66,000 | -75,000 |
| Net income | -116,000 | -70,000 | -103,000 | -154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,954,000 | 13,000,000 | 12,967,000 | 12,916,000 |
| Total capital | 13,092,000 | 13,131,000 | 13,100,000 | 13,048,000 |
| Risk-weighted assets | 11,047,000 | 11,915,000 | 10,794,000 | 10,774,000 |
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