Call reports 2003
PALM BANK, THE — 2003
What PALM BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 15,446,000 | 28,632,000 | 41,898,000 | 45,851,000 |
| Total loans | 1,677,000 | 7,076,000 | 14,221,000 | 22,582,000 |
| Allowance for loan losses | 14,000 | 91,000 | 170,000 | 278,000 |
| Securities available for sale | 7,254,000 | 12,835,000 | 17,050,000 | 21,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,666,000 | 18,444,000 | 31,081,000 | 31,604,000 |
| Interest-bearing deposits | 5,204,000 | 15,441,000 | 23,285,000 | 24,482,000 |
| Noninterest-bearing deposits | 1,462,000 | 3,003,000 | 7,796,000 | 7,122,000 |
| Equity capital | 8,768,000 | 10,143,000 | 10,759,000 | 10,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 36,000 | 162,000 | 368,000 | 754,000 |
| Interest expense | 15,000 | 57,000 | 115,000 | 190,000 |
| Net interest income | 21,000 | 105,000 | 253,000 | 564,000 |
| Noninterest income | 2,000 | 13,000 | 35,000 | 54,000 |
| Noninterest expense | 635,000 | 974,000 | 1,340,000 | 1,787,000 |
| Provision for loan losses | 14,000 | 91,000 | 170,000 | 278,000 |
| Pretax income | -626,000 | -947,000 | -1,222,000 | -1,470,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -626,000 | -947,000 | -1,222,000 | -1,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,774,000 | 10,128,000 | 10,929,000 | 10,659,000 |
| Total capital | 8,788,000 | 10,219,000 | 11,102,000 | 10,942,000 |
| Risk-weighted assets | 4,950,000 | 11,978,000 | 20,902,000 | 27,050,000 |
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