Call reports 2015
BANK OF PENSACOLA — 2015
What BANK OF PENSACOLA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 68,868,000 | 70,524,000 | 71,437,000 | 69,773,000 |
| Total loans | 21,347,000 | 21,371,000 | 21,818,000 | 22,114,000 |
| Allowance for loan losses | 246,000 | 267,000 | 267,000 | 273,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 35,009,000 | 35,896,000 | 33,788,000 | 40,867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,453,000 | 59,150,000 | 60,117,000 | 58,486,000 |
| Interest-bearing deposits | 23,059,000 | 23,175,000 | 24,002,000 | 22,306,000 |
| Noninterest-bearing deposits | 34,394,000 | 35,975,000 | 36,115,000 | 36,180,000 |
| Equity capital | 11,411,000 | 11,357,000 | 11,303,000 | 11,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 356,000 | 735,000 | 1,109,000 | 1,507,000 |
| Interest expense | 18,000 | 37,000 | 55,000 | 74,000 |
| Net interest income | 338,000 | 698,000 | 1,054,000 | 1,433,000 |
| Noninterest income | 127,000 | 281,000 | 398,000 | 513,000 |
| Noninterest expense | 565,000 | 1,148,000 | 1,708,000 | 2,280,000 |
| Provision for loan losses | 53,000 | 76,000 | 76,000 | 86,000 |
| Pretax income | -153,000 | -245,000 | -332,000 | -420,000 |
| Income tax | -57,000 | -95,000 | -128,000 | -161,000 |
| Net income | -96,000 | -150,000 | -204,000 | -259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,411,000 | 11,357,000 | 11,303,000 | 11,248,000 |
| Total capital | 11,657,000 | 11,624,000 | 11,570,000 | 11,521,000 |
| Risk-weighted assets | 21,128,000 | 22,104,000 | 23,399,000 | 23,037,000 |