Call reports 2013
BANK OF PENSACOLA — 2013
What BANK OF PENSACOLA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,447,000 | 61,552,000 | 60,755,000 | 59,624,000 |
| Total loans | 11,709,000 | 11,843,000 | 11,841,000 | 13,022,000 |
| Allowance for loan losses | 122,000 | 122,000 | 122,000 | 122,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 42,354,000 | 40,238,000 | 39,129,000 | 36,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,076,000 | 48,504,000 | 48,554,000 | 47,463,000 |
| Interest-bearing deposits | 32,809,000 | 30,966,000 | 31,342,000 | 31,044,000 |
| Noninterest-bearing deposits | 18,267,000 | 17,538,000 | 17,212,000 | 16,419,000 |
| Equity capital | 12,329,000 | 12,266,000 | 12,197,000 | 12,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 319,000 | 631,000 | 939,000 | 1,250,000 |
| Interest expense | 16,000 | 30,000 | 46,000 | 61,000 |
| Net interest income | 303,000 | 601,000 | 893,000 | 1,189,000 |
| Noninterest income | 155,000 | 321,000 | 467,000 | 557,000 |
| Noninterest expense | 531,000 | 1,062,000 | 1,606,000 | 2,147,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -73,000 | -140,000 | -246,000 | -401,000 |
| Income tax | -29,000 | -33,000 | -70,000 | -97,000 |
| Net income | -44,000 | -107,000 | -176,000 | -304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,329,000 | 12,266,000 | 12,197,000 | 12,069,000 |
| Total capital | 12,452,000 | 12,388,000 | 12,319,000 | 12,191,000 |
| Risk-weighted assets | 13,591,000 | 13,500,000 | 13,229,000 | 14,382,000 |