Call reports 2008
SANIBEL CAPTIVA COMMUNITY BANK — 2008
What SANIBEL CAPTIVA COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 180,018,000 | 187,448,000 | 187,963,000 | 200,283,000 |
| Total loans | 161,387,000 | 162,139,000 | 172,545,000 | 182,027,000 |
| Allowance for loan losses | 1,508,000 | 1,573,000 | 1,679,000 | 2,003,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,907,000 | 6,778,000 | 6,473,000 | 6,182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,901,000 | 148,468,000 | 150,172,000 | 164,488,000 |
| Interest-bearing deposits | 130,640,000 | 136,368,000 | 138,866,000 | 152,623,000 |
| Noninterest-bearing deposits | 14,261,000 | 12,100,000 | 11,306,000 | 11,865,000 |
| Equity capital | 17,264,000 | 17,681,000 | 17,922,000 | 17,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,101,000 | 6,026,000 | 9,029,000 | 11,992,000 |
| Interest expense | 1,492,000 | 2,810,000 | 4,162,000 | 5,656,000 |
| Net interest income | 1,609,000 | 3,216,000 | 4,867,000 | 6,336,000 |
| Noninterest income | 73,000 | 82,000 | 153,000 | 200,000 |
| Noninterest expense | 961,000 | 1,801,000 | 2,678,000 | 3,534,000 |
| Provision for loan losses | 175,000 | 280,000 | 740,000 | 1,499,000 |
| Pretax income | 546,000 | 1,217,000 | 1,602,000 | 1,503,000 |
| Income tax | 206,000 | 460,000 | 605,000 | 571,000 |
| Net income | 340,000 | 757,000 | 997,000 | 932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,264,000 | 17,681,000 | 17,922,000 | 17,859,000 |
| Total capital | 18,772,000 | 19,254,000 | 19,603,000 | 19,865,000 |
| Risk-weighted assets | 154,395,000 | 155,662,000 | 159,993,000 | 168,010,000 |