Call reports 2010
SABAL PALM BANK — 2010
What SABAL PALM BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 94,741,000 | 88,335,000 | 89,955,000 | 87,015,000 |
| Total loans | 49,400,000 | 50,113,000 | 49,563,000 | 50,294,000 |
| Allowance for loan losses | 889,000 | 1,090,000 | 662,000 | 668,000 |
| Securities available for sale | 33,691,000 | 33,453,000 | 28,676,000 | 28,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,020,000 | 75,779,000 | 79,181,000 | 76,582,000 |
| Interest-bearing deposits | 75,718,000 | 67,558,000 | 67,604,000 | 67,471,000 |
| Noninterest-bearing deposits | 8,302,000 | 8,221,000 | 11,577,000 | 9,111,000 |
| Equity capital | 10,591,000 | 11,354,000 | 10,634,000 | 10,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 921,000 | 1,864,000 | 2,770,000 | 3,616,000 |
| Interest expense | 282,000 | 542,000 | 771,000 | 990,000 |
| Net interest income | 639,000 | 1,322,000 | 1,999,000 | 2,626,000 |
| Noninterest income | 19,000 | 35,000 | 58,000 | 80,000 |
| Noninterest expense | 794,000 | 1,601,000 | 2,384,000 | 3,206,000 |
| Provision for loan losses | 15,000 | 191,000 | 1,151,000 | 1,157,000 |
| Pretax income | -151,000 | -138,000 | -962,000 | -1,141,000 |
| Income tax | -50,000 | -43,000 | -347,000 | -408,000 |
| Net income | -101,000 | -95,000 | -615,000 | -733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,367,000 | 7,905,000 | 7,104,000 | 7,032,000 |
| Total capital | 8,039,000 | 8,568,000 | 7,753,000 | 7,676,000 |
| Risk-weighted assets | 53,012,000 | 51,821,000 | 51,147,000 | 50,693,000 |