Call reports 2011
BANK OF PENSACOLA — 2011
What BANK OF PENSACOLA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 63,087,000 | 63,542,000 | 65,020,000 | 64,226,000 |
| Total loans | 3,932,000 | 3,774,000 | 3,654,000 | 3,499,000 |
| Allowance for loan losses | 127,000 | 122,000 | 131,000 | 130,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 42,528,000 | 45,017,000 | 48,125,000 | 49,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,290,000 | 50,794,000 | 52,313,000 | 51,548,000 |
| Interest-bearing deposits | 31,423,000 | 32,942,000 | 35,234,000 | 34,553,000 |
| Noninterest-bearing deposits | 18,867,000 | 17,852,000 | 17,079,000 | 16,995,000 |
| Equity capital | 12,691,000 | 12,651,000 | 12,615,000 | 12,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 301,000 | 581,000 | 873,000 | 1,155,000 |
| Interest expense | 24,000 | 47,000 | 71,000 | 94,000 |
| Net interest income | 277,000 | 534,000 | 802,000 | 1,061,000 |
| Noninterest income | 155,000 | 329,000 | 491,000 | 659,000 |
| Noninterest expense | 655,000 | 1,152,000 | 1,639,000 | 2,113,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -223,000 | -289,000 | -346,000 | -393,000 |
| Income tax | -83,000 | -109,000 | -130,000 | -148,000 |
| Net income | -140,000 | -180,000 | -216,000 | -245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,691,000 | 12,651,000 | 12,615,000 | 12,586,000 |
| Total capital | 12,802,000 | 12,758,000 | 12,717,000 | 12,681,000 |
| Risk-weighted assets | 8,866,000 | 8,579,000 | 8,158,000 | 7,573,000 |