Call reports 2018
BANK OF PENSACOLA — 2018
What BANK OF PENSACOLA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 81,026,000 | 83,232,000 | 84,716,000 | 83,970,000 |
| Total loans | 33,956,000 | 35,358,000 | 36,147,000 | 37,961,000 |
| Allowance for loan losses | 335,000 | 348,000 | 356,000 | 373,000 |
| Securities available for sale | 4,332,000 | 4,315,000 | 4,291,000 | 4,352,000 |
| Securities held to maturity | 36,255,000 | 35,235,000 | 32,714,000 | 32,693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,984,000 | 72,185,000 | 73,657,000 | 72,820,000 |
| Interest-bearing deposits | 30,518,000 | 31,666,000 | 31,206,000 | 30,842,000 |
| Noninterest-bearing deposits | 39,466,000 | 40,519,000 | 42,451,000 | 41,978,000 |
| Equity capital | 11,027,000 | 11,038,000 | 11,048,000 | 11,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 480,000 | 999,000 | 1,540,000 | 2,109,000 |
| Interest expense | 33,000 | 84,000 | 138,000 | 193,000 |
| Net interest income | 447,000 | 915,000 | 1,402,000 | 1,916,000 |
| Noninterest income | 98,000 | 195,000 | 281,000 | 374,000 |
| Noninterest expense | 520,000 | 1,038,000 | 1,563,000 | 2,101,000 |
| Provision for loan losses | 13,000 | 27,000 | 38,000 | 57,000 |
| Pretax income | -77,000 | -45,000 | -8,000 | 42,000 |
| Income tax | 0 | 8,000 | 17,000 | 30,000 |
| Net income | -77,000 | -53,000 | -25,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,159,000 | 11,182,000 | 11,210,000 | 11,248,000 |
| Total capital | 11,494,000 | 11,529,000 | 11,566,000 | 11,621,000 |
| Risk-weighted assets | 32,342,000 | 33,789,000 | 34,348,000 | 35,589,000 |