Call reports 2014
SABAL PALM BANK — 2014
What SABAL PALM BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 107,041,000 | 103,471,000 | 107,146,000 | 115,295,000 |
| Total loans | 71,427,000 | 75,656,000 | 78,196,000 | 79,847,000 |
| Allowance for loan losses | 1,337,000 | 1,340,000 | 1,343,000 | 1,376,000 |
| Securities available for sale | 12,071,000 | 14,778,000 | 14,477,000 | 22,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,977,000 | 89,110,000 | 92,604,000 | 100,752,000 |
| Interest-bearing deposits | 67,069,000 | 67,679,000 | 74,149,000 | 76,487,000 |
| Noninterest-bearing deposits | 25,908,000 | 21,431,000 | 18,455,000 | 24,265,000 |
| Equity capital | 13,705,000 | 13,940,000 | 13,998,000 | 14,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 913,000 | 1,876,000 | 2,903,000 | 3,967,000 |
| Interest expense | 101,000 | 206,000 | 305,000 | 426,000 |
| Net interest income | 812,000 | 1,670,000 | 2,598,000 | 3,541,000 |
| Noninterest income | 252,000 | 430,000 | 478,000 | 572,000 |
| Noninterest expense | 693,000 | 1,530,000 | 2,417,000 | 3,333,000 |
| Provision for loan losses | 175,000 | 175,000 | 175,000 | 205,000 |
| Pretax income | 196,000 | 395,000 | 484,000 | 575,000 |
| Income tax | 74,000 | 150,000 | 184,000 | 219,000 |
| Net income | 122,000 | 245,000 | 300,000 | 356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,641,000 | 10,065,000 | 10,033,000 | 10,157,000 |
| Total capital | 10,427,000 | 10,897,000 | 10,902,000 | 11,067,000 |
| Risk-weighted assets | 62,327,000 | 66,067,000 | 69,029,000 | 72,320,000 |