Call reports 2014
BANK OF PENSACOLA — 2014
What BANK OF PENSACOLA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 62,105,000 | 64,490,000 | 65,412,000 | 68,804,000 |
| Total loans | 13,306,000 | 15,944,000 | 18,316,000 | 19,516,000 |
| Allowance for loan losses | 133,000 | 160,000 | 184,000 | 195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,911,000 | 33,799,000 | 33,186,000 | 33,033,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,078,000 | 52,626,000 | 53,642,000 | 57,281,000 |
| Interest-bearing deposits | 32,341,000 | 18,868,000 | 20,542,000 | 19,950,000 |
| Noninterest-bearing deposits | 17,737,000 | 33,758,000 | 33,100,000 | 37,331,000 |
| Equity capital | 11,988,000 | 11,850,000 | 11,755,000 | 11,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 293,000 | 610,000 | 942,000 | 1,299,000 |
| Interest expense | 15,000 | 30,000 | 46,000 | 64,000 |
| Net interest income | 278,000 | 580,000 | 896,000 | 1,235,000 |
| Noninterest income | 105,000 | 238,000 | 360,000 | 282,000 |
| Noninterest expense | 496,000 | 1,128,000 | 1,687,000 | 2,334,000 |
| Provision for loan losses | 12,000 | 40,000 | 72,000 | 84,000 |
| Pretax income | -125,000 | -350,000 | -503,000 | -901,000 |
| Income tax | -44,000 | -131,000 | -189,000 | -339,000 |
| Net income | -81,000 | -219,000 | -314,000 | -562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,988,000 | 11,850,000 | 11,755,000 | 11,507,000 |
| Total capital | 12,121,000 | 12,010,000 | 11,939,000 | 11,702,000 |
| Risk-weighted assets | 14,355,000 | 16,164,000 | 18,353,000 | 19,266,000 |
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