Call reports 2012
BANK OF PENSACOLA — 2012
What BANK OF PENSACOLA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 63,195,000 | 63,621,000 | 65,144,000 | 62,724,000 |
| Total loans | 3,193,000 | 10,076,000 | 10,167,000 | 10,959,000 |
| Allowance for loan losses | 125,000 | 123,000 | 123,000 | 122,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 48,369,000 | 46,226,000 | 43,595,000 | 43,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,679,000 | 51,142,000 | 52,699,000 | 50,251,000 |
| Interest-bearing deposits | 33,238,000 | 34,458,000 | 35,111,000 | 32,739,000 |
| Noninterest-bearing deposits | 17,441,000 | 16,684,000 | 17,588,000 | 17,512,000 |
| Equity capital | 12,424,000 | 12,388,000 | 12,354,000 | 12,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 273,000 | 582,000 | 904,000 | 1,222,000 |
| Interest expense | 19,000 | 37,000 | 56,000 | 72,000 |
| Net interest income | 254,000 | 545,000 | 848,000 | 1,150,000 |
| Noninterest income | 167,000 | 332,000 | 484,000 | 642,000 |
| Noninterest expense | 681,000 | 1,200,000 | 1,707,000 | 2,170,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -260,000 | -323,000 | -375,000 | -378,000 |
| Income tax | -98,000 | -125,000 | -143,000 | -165,000 |
| Net income | -162,000 | -198,000 | -232,000 | -213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,424,000 | 12,388,000 | 12,354,000 | 12,373,000 |
| Total capital | 12,513,000 | 12,511,000 | 12,478,000 | 12,495,000 |
| Risk-weighted assets | 7,100,000 | 13,512,000 | 12,831,000 | 13,271,000 |