Call reports 2023
BANK OF PENSACOLA — 2023
What BANK OF PENSACOLA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 148,103,000 | 144,514,000 | 141,132,000 | 147,131,000 |
| Total loans | 59,892,000 | 62,994,000 | 62,897,000 | 67,193,000 |
| Allowance for loan losses | 549,000 | 550,000 | 550,000 | 549,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 75,683,000 | 73,660,000 | 70,638,000 | 68,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,596,000 | 125,951,000 | 126,504,000 | 134,464,000 |
| Interest-bearing deposits | 77,334,000 | 74,318,000 | 69,918,000 | 72,340,000 |
| Noninterest-bearing deposits | 58,262,000 | 51,633,000 | 56,586,000 | 62,124,000 |
| Equity capital | 12,214,000 | 12,356,000 | 12,434,000 | 12,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 934,000 | 1,922,000 | 2,927,000 | 3,983,000 |
| Interest expense | 98,000 | 310,000 | 640,000 | 979,000 |
| Net interest income | 836,000 | 1,612,000 | 2,287,000 | 3,004,000 |
| Noninterest income | 70,000 | 140,000 | 215,000 | 285,000 |
| Noninterest expense | 577,000 | 1,216,000 | 1,860,000 | 2,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 325,000 | 515,000 | 621,000 | 730,000 |
| Income tax | 74,000 | 121,000 | 149,000 | 180,000 |
| Net income | 251,000 | 394,000 | 472,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,214,000 | 12,356,000 | 12,434,000 | 12,512,000 |
| Total capital | 12,763,000 | 12,906,000 | 12,984,000 | 13,061,000 |
| Risk-weighted assets | 52,138,000 | 61,859,000 | 59,932,000 | 64,428,000 |