Call reports 2004
SANIBEL CAPTIVA COMMUNITY BANK — 2004
What SANIBEL CAPTIVA COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 77,615,000 | 83,803,000 | 83,005,000 | 101,196,000 |
| Total loans | 53,531,000 | 62,693,000 | 71,043,000 | 81,640,000 |
| Allowance for loan losses | 536,000 | 627,000 | 711,000 | 817,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,699,000 | 5,183,000 | 5,790,000 | 5,449,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,425,000 | 69,242,000 | 68,723,000 | 82,958,000 |
| Interest-bearing deposits | 57,192,000 | 63,475,000 | 62,468,000 | 75,636,000 |
| Noninterest-bearing deposits | 6,233,000 | 5,767,000 | 6,255,000 | 7,322,000 |
| Equity capital | 6,609,000 | 6,759,000 | 6,970,000 | 8,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,917,000 | 3,072,000 | 4,412,000 |
| Interest expense | 267,000 | 581,000 | 949,000 | 1,386,000 |
| Net interest income | 645,000 | 1,336,000 | 2,123,000 | 3,026,000 |
| Noninterest income | 59,000 | 103,000 | 140,000 | 188,000 |
| Noninterest expense | 379,000 | 782,000 | 1,182,000 | 1,682,000 |
| Provision for loan losses | 72,000 | 163,000 | 247,000 | 353,000 |
| Pretax income | 253,000 | 494,000 | 834,000 | 1,179,000 |
| Income tax | 96,000 | 187,000 | 316,000 | 448,000 |
| Net income | 157,000 | 307,000 | 518,000 | 731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,609,000 | 6,759,000 | 6,970,000 | 8,463,000 |
| Total capital | 7,145,000 | 7,386,000 | 7,681,000 | 9,280,000 |
| Risk-weighted assets | 51,312,000 | 60,602,000 | 63,867,000 | 75,060,000 |