Call reports 2016
BANK OF PENSACOLA — 2016
What BANK OF PENSACOLA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 73,210,000 | 78,446,000 | 84,167,000 | 87,092,000 |
| Total loans | 24,814,000 | 23,166,000 | 26,033,000 | 27,703,000 |
| Allowance for loan losses | 303,000 | 303,000 | 301,000 | 331,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,793,000 | 35,227,000 | 46,436,000 | 44,876,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,986,000 | 67,236,000 | 72,997,000 | 75,924,000 |
| Interest-bearing deposits | 23,853,000 | 31,006,000 | 34,694,000 | 34,830,000 |
| Noninterest-bearing deposits | 38,133,000 | 36,230,000 | 38,303,000 | 41,094,000 |
| Equity capital | 11,209,000 | 11,193,000 | 11,167,000 | 11,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 808,000 | 1,228,000 | 1,686,000 |
| Interest expense | 19,000 | 41,000 | 65,000 | 91,000 |
| Net interest income | 391,000 | 767,000 | 1,163,000 | 1,595,000 |
| Noninterest income | 111,000 | 221,000 | 328,000 | 427,000 |
| Noninterest expense | 533,000 | 1,042,000 | 1,589,000 | 2,105,000 |
| Provision for loan losses | 32,000 | 32,000 | 32,000 | 63,000 |
| Pretax income | -63,000 | -86,000 | -130,000 | -146,000 |
| Income tax | -24,000 | -31,000 | -49,000 | -56,000 |
| Net income | -39,000 | -55,000 | -81,000 | -90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,209,000 | 11,193,000 | 11,167,000 | 11,158,000 |
| Total capital | 11,512,000 | 11,494,000 | 11,466,000 | 11,487,000 |
| Risk-weighted assets | 25,262,000 | 24,056,000 | 25,598,000 | 26,307,000 |