Call reports 2022
BANK OF PENSACOLA — 2022
What BANK OF PENSACOLA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 156,522,000 | 158,209,000 | 147,687,000 | 144,675,000 |
| Total loans | 44,142,000 | 47,166,000 | 51,689,000 | 55,847,000 |
| Allowance for loan losses | 491,000 | 489,000 | 486,000 | 546,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 70,811,000 | 77,341,000 | 78,730,000 | 77,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,435,000 | 144,959,000 | 134,255,000 | 132,196,000 |
| Interest-bearing deposits | 82,039,000 | 78,311,000 | 76,736,000 | 76,498,000 |
| Noninterest-bearing deposits | 61,396,000 | 66,648,000 | 57,519,000 | 55,698,000 |
| Equity capital | 12,740,000 | 12,900,000 | 13,106,000 | 12,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 683,000 | 1,439,000 | 2,290,000 | 3,195,000 |
| Interest expense | 97,000 | 204,000 | 301,000 | 395,000 |
| Net interest income | 586,000 | 1,235,000 | 1,989,000 | 2,800,000 |
| Noninterest income | 68,000 | 140,000 | 213,000 | 288,000 |
| Noninterest expense | 534,000 | 1,051,000 | 1,600,000 | 2,158,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 120,000 | 324,000 | 602,000 | 870,000 |
| Income tax | 29,000 | 74,000 | 146,000 | 158,000 |
| Net income | 91,000 | 250,000 | 456,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,740,000 | 12,900,000 | 13,106,000 | 12,212,000 |
| Total capital | — | 13,388,000 | 13,592,000 | 12,758,000 |
| Risk-weighted assets | — | 39,108,000 | 43,326,000 | 46,738,000 |