Call reports 2025
BANK OF PENSACOLA — 2025
What BANK OF PENSACOLA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 139,244,000 | 150,189,000 | 142,199,000 | 144,348,000 |
| Total loans | 72,405,000 | 73,193,000 | 74,133,000 | 76,228,000 |
| Allowance for loan losses | 548,000 | 548,000 | 548,000 | 548,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 58,611,000 | 55,627,000 | 52,643,000 | 49,658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,899,000 | 136,698,000 | 128,487,000 | 130,337,000 |
| Interest-bearing deposits | 68,454,000 | 66,661,000 | 68,870,000 | 69,001,000 |
| Noninterest-bearing deposits | 57,445,000 | 70,037,000 | 59,617,000 | 61,336,000 |
| Equity capital | 12,955,000 | 13,191,000 | 13,427,000 | 13,722,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,429,000 | 3,728,000 | 5,082,000 |
| Interest expense | 314,000 | 608,000 | 905,000 | 1,209,000 |
| Net interest income | 889,000 | 1,821,000 | 2,823,000 | 3,873,000 |
| Noninterest income | 80,000 | 168,000 | 251,000 | 325,000 |
| Noninterest expense | 640,000 | 1,342,000 | 2,110,000 | 2,851,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 329,000 | 647,000 | 964,000 | 1,347,000 |
| Income tax | 68,000 | 150,000 | 230,000 | 319,000 |
| Net income | 261,000 | 497,000 | 734,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,955,000 | 13,191,000 | 13,427,000 | 13,722,000 |
| Total capital | 13,503,000 | — | — | — |
| Risk-weighted assets | 62,537,000 | — | — | — |