Call reports 2015
SABAL PALM BANK — 2015
What SABAL PALM BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 122,766,000 | 124,806,000 | 129,753,000 | 130,744,000 |
| Total loans | 83,843,000 | 85,060,000 | 88,860,000 | 91,744,000 |
| Allowance for loan losses | 1,378,000 | 1,381,000 | 1,393,000 | 1,417,000 |
| Securities available for sale | 21,480,000 | 19,916,000 | 19,655,000 | 18,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,965,000 | 109,960,000 | 114,347,000 | 114,805,000 |
| Interest-bearing deposits | 77,480,000 | 83,030,000 | 83,451,000 | 84,673,000 |
| Noninterest-bearing deposits | 30,485,000 | 26,930,000 | 30,896,000 | 30,132,000 |
| Equity capital | 14,407,000 | 14,295,000 | 14,661,000 | 15,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,091,000 | 2,235,000 | 3,430,000 | 4,694,000 |
| Interest expense | 121,000 | 249,000 | 383,000 | 510,000 |
| Net interest income | 970,000 | 1,986,000 | 3,047,000 | 4,184,000 |
| Noninterest income | 46,000 | 138,000 | 264,000 | 309,000 |
| Noninterest expense | 933,000 | 1,933,000 | 2,871,000 | 3,854,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 102,000 | 225,000 | 474,000 | 673,000 |
| Income tax | 39,000 | 86,000 | 180,000 | 255,000 |
| Net income | 63,000 | 139,000 | 294,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,259,000 | 10,525,000 | 10,820,000 | 11,714,000 |
| Total capital | 11,215,000 | 11,495,000 | 11,856,000 | 12,820,000 |
| Risk-weighted assets | 76,073,000 | 74,801,000 | 80,139,000 | 85,880,000 |