Call reports 2019
BANK OF PENSACOLA — 2019
What BANK OF PENSACOLA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 84,279,000 | 88,502,000 | 86,735,000 | 88,923,000 |
| Total loans | 41,144,000 | 43,682,000 | 46,524,000 | 48,621,000 |
| Allowance for loan losses | 398,000 | 422,000 | 445,000 | 465,000 |
| Securities available for sale | 4,405,000 | 2,994,000 | 0 | 0 |
| Securities held to maturity | 31,672,000 | 29,653,000 | 27,634,000 | 25,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,065,000 | 77,115,000 | 75,307,000 | 77,407,000 |
| Interest-bearing deposits | 30,760,000 | 35,881,000 | 31,807,000 | 45,682,000 |
| Noninterest-bearing deposits | 42,305,000 | 41,234,000 | 43,500,000 | 31,725,000 |
| Equity capital | 11,201,000 | 11,345,000 | 11,417,000 | 11,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 569,000 | 1,164,000 | 1,784,000 | 2,415,000 |
| Interest expense | 54,000 | 118,000 | 184,000 | 255,000 |
| Net interest income | 515,000 | 1,046,000 | 1,600,000 | 2,160,000 |
| Noninterest income | 88,000 | 183,000 | 277,000 | 361,000 |
| Noninterest expense | 541,000 | 1,046,000 | 1,581,000 | 2,079,000 |
| Provision for loan losses | 25,000 | 49,000 | 73,000 | 99,000 |
| Pretax income | 37,000 | 135,000 | 228,000 | 348,000 |
| Income tax | 9,000 | 34,000 | 58,000 | 116,000 |
| Net income | 28,000 | 101,000 | 170,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,276,000 | 11,349,000 | 11,417,000 | 11,480,000 |
| Total capital | 11,674,000 | 11,771,000 | 11,862,000 | 11,945,000 |
| Risk-weighted assets | 38,003,000 | 39,217,000 | 40,434,000 | 41,288,000 |