Call reports 2013
SABAL PALM BANK — 2013
What SABAL PALM BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 89,172,000 | 87,724,000 | 89,546,000 | 97,062,000 |
| Total loans | 60,495,000 | 64,541,000 | 65,029,000 | 70,587,000 |
| Allowance for loan losses | 520,000 | 584,000 | 1,353,000 | 1,365,000 |
| Securities available for sale | 16,365,000 | 15,271,000 | 11,833,000 | 10,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,532,000 | 72,459,000 | 75,461,000 | 83,150,000 |
| Interest-bearing deposits | 58,302,000 | 56,284,000 | 57,760,000 | 64,155,000 |
| Noninterest-bearing deposits | 15,230,000 | 16,175,000 | 17,701,000 | 18,995,000 |
| Equity capital | 15,471,000 | 15,040,000 | 13,555,000 | 13,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 731,000 | 1,523,000 | 2,342,000 | 3,195,000 |
| Interest expense | 90,000 | 175,000 | 257,000 | 355,000 |
| Net interest income | 641,000 | 1,348,000 | 2,085,000 | 2,840,000 |
| Noninterest income | 31,000 | 73,000 | -251,000 | -205,000 |
| Noninterest expense | 772,000 | 1,593,000 | 2,883,000 | 3,729,000 |
| Provision for loan losses | 45,000 | 108,000 | 1,469,000 | 1,469,000 |
| Pretax income | -145,000 | -280,000 | -2,521,000 | -2,586,000 |
| Income tax | -54,000 | -104,000 | -947,000 | -971,000 |
| Net income | -91,000 | -176,000 | -1,574,000 | -1,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,842,000 | 11,708,000 | 9,467,000 | 9,457,000 |
| Total capital | 12,372,000 | 12,301,000 | 10,174,000 | 10,224,000 |
| Risk-weighted assets | 54,008,000 | 56,979,000 | 55,113,000 | 61,161,000 |