Call reports 2010
BANK OF PENSACOLA — 2010
What BANK OF PENSACOLA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 57,360,000 | 61,448,000 | 62,380,000 | 62,648,000 |
| Total loans | 4,793,000 | 4,930,000 | 4,621,000 | 4,256,000 |
| Allowance for loan losses | 131,000 | 130,000 | 127,000 | 104,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 37,885,000 | 37,982,000 | 40,097,000 | 46,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,427,000 | 48,510,000 | 49,443,000 | 49,712,000 |
| Interest-bearing deposits | 27,788,000 | 30,425,000 | 33,585,000 | 32,830,000 |
| Noninterest-bearing deposits | 16,639,000 | 18,085,000 | 15,858,000 | 16,882,000 |
| Equity capital | 12,831,000 | 12,838,000 | 12,839,000 | 12,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 349,000 | 689,000 | 1,029,000 | 1,355,000 |
| Interest expense | 23,000 | 48,000 | 77,000 | 105,000 |
| Net interest income | 326,000 | 641,000 | 952,000 | 1,250,000 |
| Noninterest income | 181,000 | 366,000 | 542,000 | 722,000 |
| Noninterest expense | 645,000 | 1,130,000 | 1,619,000 | 2,120,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -138,000 | -123,000 | -125,000 | -148,000 |
| Income tax | -53,000 | -45,000 | -48,000 | -64,000 |
| Net income | -85,000 | -78,000 | -77,000 | -84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,831,000 | 12,838,000 | 12,839,000 | 12,832,000 |
| Total capital | 12,952,000 | 12,968,000 | 12,962,000 | 12,936,000 |
| Risk-weighted assets | 10,385,000 | 10,456,000 | 9,863,000 | 9,237,000 |