Call reports 2024
BANK OF PENSACOLA — 2024
What BANK OF PENSACOLA reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 144,412,000 | 147,302,000 | 146,722,000 | 144,873,000 |
| Total loans | 69,002,000 | 68,785,000 | 70,038,000 | 71,447,000 |
| Allowance for loan losses | 547,000 | 548,000 | 548,000 | 548,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 68,602,000 | 65,593,000 | 64,593,000 | 61,599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,858,000 | 129,334,000 | 129,592,000 | 130,117,000 |
| Interest-bearing deposits | 69,605,000 | 70,098,000 | 69,364,000 | 71,016,000 |
| Noninterest-bearing deposits | 57,253,000 | 59,236,000 | 60,228,000 | 59,101,000 |
| Equity capital | 12,363,000 | 12,474,000 | 12,623,000 | 12,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,084,000 | 2,200,000 | 3,369,000 | 4,612,000 |
| Interest expense | 354,000 | 722,000 | 1,086,000 | 1,420,000 |
| Net interest income | 730,000 | 1,478,000 | 2,283,000 | 3,192,000 |
| Noninterest income | 75,000 | 144,000 | 216,000 | 287,000 |
| Noninterest expense | 676,000 | 1,350,000 | 2,027,000 | 2,748,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 272,000 | 472,000 | 731,000 |
| Income tax | 28,000 | 60,000 | 111,000 | 174,000 |
| Net income | 101,000 | 212,000 | 361,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,363,000 | 12,474,000 | 12,623,000 | 12,819,000 |
| Total capital | 12,910,000 | 13,022,000 | 13,171,000 | 13,367,000 |
| Risk-weighted assets | 59,309,000 | 59,198,000 | 60,763,000 | 69,186,000 |