Call reports 2005
SANIBEL CAPTIVA COMMUNITY BANK — 2005
What SANIBEL CAPTIVA COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 115,406,000 | 117,087,000 | 127,163,000 | 141,485,000 |
| Total loans | 85,350,000 | 96,367,000 | 109,015,000 | 115,605,000 |
| Allowance for loan losses | 854,000 | 842,000 | 969,000 | 1,079,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,239,000 | 7,777,000 | 7,310,000 | 7,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,494,000 | 92,565,000 | 95,081,000 | 106,067,000 |
| Interest-bearing deposits | 90,487,000 | 84,238,000 | 87,793,000 | 98,741,000 |
| Noninterest-bearing deposits | 9,007,000 | 8,327,000 | 7,288,000 | 7,326,000 |
| Equity capital | 8,787,000 | 9,139,000 | 10,525,000 | 12,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,525,000 | 3,168,000 | 5,145,000 | 7,307,000 |
| Interest expense | 573,000 | 1,204,000 | 1,996,000 | 2,912,000 |
| Net interest income | 952,000 | 1,964,000 | 3,149,000 | 4,395,000 |
| Noninterest income | 70,000 | 124,000 | 202,000 | 260,000 |
| Noninterest expense | 465,000 | 976,000 | 1,524,000 | 2,156,000 |
| Provision for loan losses | 37,000 | 25,000 | 152,000 | 262,000 |
| Pretax income | 520,000 | 1,087,000 | 1,675,000 | 2,237,000 |
| Income tax | 196,000 | 411,000 | 633,000 | 848,000 |
| Net income | 324,000 | 676,000 | 1,042,000 | 1,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,787,000 | 9,139,000 | 10,525,000 | 12,912,000 |
| Total capital | 9,641,000 | 9,981,000 | 11,494,000 | 13,991,000 |
| Risk-weighted assets | 79,912,000 | 89,884,000 | 101,235,000 | 106,391,000 |