Call reports 2020
BANK OF PENSACOLA — 2020
What BANK OF PENSACOLA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 89,336,000 | 100,203,000 | 114,473,000 | 115,280,000 |
| Total loans | 49,185,000 | 55,471,000 | 54,902,000 | 49,569,000 |
| Allowance for loan losses | 492,000 | 491,000 | 491,000 | 490,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,599,000 | 20,582,000 | 24,673,000 | 37,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,679,000 | 88,095,000 | 102,352,000 | 103,174,000 |
| Interest-bearing deposits | 44,899,000 | 50,475,000 | 61,470,000 | 62,339,000 |
| Noninterest-bearing deposits | 32,780,000 | 37,620,000 | 40,882,000 | 40,835,000 |
| Equity capital | 11,579,000 | 11,706,000 | 11,832,000 | 12,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 639,000 | 1,283,000 | 1,944,000 | 2,765,000 |
| Interest expense | 73,000 | 150,000 | 246,000 | 340,000 |
| Net interest income | 566,000 | 1,133,000 | 1,698,000 | 2,425,000 |
| Noninterest income | 62,000 | 132,000 | 193,000 | 245,000 |
| Noninterest expense | 481,000 | 942,000 | 1,400,000 | 1,915,000 |
| Provision for loan losses | 24,000 | 24,000 | 24,000 | 24,000 |
| Pretax income | 123,000 | 299,000 | 467,000 | 731,000 |
| Income tax | 24,000 | 73,000 | 114,000 | 204,000 |
| Net income | 99,000 | 226,000 | 353,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,579,000 | 11,706,000 | 11,832,000 | 12,007,000 |