Call reports 2021
BANK OF PENSACOLA — 2021
What BANK OF PENSACOLA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 125,509,000 | 132,628,000 | 138,029,000 | 157,802,000 |
| Total loans | 53,938,000 | 53,277,000 | 49,497,000 | 51,412,000 |
| Allowance for loan losses | 490,000 | 488,000 | 494,000 | 491,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 45,166,000 | 52,405,000 | 56,516,000 | 64,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,101,000 | 119,931,000 | 125,320,000 | 145,056,000 |
| Interest-bearing deposits | 47,696,000 | 69,287,000 | 74,039,000 | 81,899,000 |
| Noninterest-bearing deposits | 65,405,000 | 50,644,000 | 51,281,000 | 63,157,000 |
| Equity capital | 12,113,000 | 12,323,000 | 12,612,000 | 12,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 664,000 | 1,396,000 | 2,285,000 | 2,954,000 |
| Interest expense | 94,000 | 185,000 | 278,000 | 377,000 |
| Net interest income | 570,000 | 1,211,000 | 2,007,000 | 2,577,000 |
| Noninterest income | 66,000 | 163,000 | 231,000 | 307,000 |
| Noninterest expense | 495,000 | 957,000 | 1,439,000 | 1,994,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 141,000 | 417,000 | 799,000 | 890,000 |
| Income tax | 35,000 | 102,000 | 195,000 | 226,000 |
| Net income | 106,000 | 315,000 | 604,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,113,000 | 12,323,000 | 12,612,000 | 12,672,000 |