Call reports 2016
SABAL PALM BANK — 2016
What SABAL PALM BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 135,702,000 | 134,790,000 | 137,546,000 | 145,407,000 |
| Total loans | 91,824,000 | 99,319,000 | 102,145,000 | 110,316,000 |
| Allowance for loan losses | 1,422,000 | 1,429,000 | 1,438,000 | 1,524,000 |
| Securities available for sale | 18,299,000 | 17,055,000 | 17,210,000 | 16,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,418,000 | 117,352,000 | 119,748,000 | 127,566,000 |
| Interest-bearing deposits | 79,240,000 | 81,201,000 | 84,951,000 | 89,376,000 |
| Noninterest-bearing deposits | 40,178,000 | 36,151,000 | 34,797,000 | 38,190,000 |
| Equity capital | 15,680,000 | 16,685,000 | 16,900,000 | 17,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,263,000 | 2,575,000 | 3,919,000 | 5,297,000 |
| Interest expense | 127,000 | 252,000 | 374,000 | 487,000 |
| Net interest income | 1,136,000 | 2,323,000 | 3,545,000 | 4,810,000 |
| Noninterest income | 80,000 | 131,000 | 183,000 | 324,000 |
| Noninterest expense | 1,025,000 | 2,056,000 | 3,088,000 | 4,148,000 |
| Provision for loan losses | 0 | 0 | 0 | 80,000 |
| Pretax income | 204,000 | 436,000 | 684,000 | 950,000 |
| Income tax | 78,000 | 173,000 | 273,000 | 379,000 |
| Net income | 126,000 | 263,000 | 411,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,933,000 | 12,989,000 | 13,261,000 | 14,051,000 |
| Total capital | 13,046,000 | 14,206,000 | 14,511,000 | 15,411,000 |
| Risk-weighted assets | 87,204,000 | 95,664,000 | 98,397,000 | 107,264,000 |