Call reports 2004
PALM BANK, THE — 2004
What PALM BANK, THE 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 | 51,864,000 | 63,322,000 | 73,794,000 | 79,944,000 |
| Total loans | 25,997,000 | 37,157,000 | 46,525,000 | 54,153,000 |
| Allowance for loan losses | 314,000 | 431,000 | 528,000 | 638,000 |
| Securities available for sale | 20,672,000 | 19,727,000 | 21,952,000 | 19,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,057,000 | 50,048,000 | 53,730,000 | 65,849,000 |
| Interest-bearing deposits | 35,840,000 | 41,303,000 | 43,081,000 | 55,511,000 |
| Noninterest-bearing deposits | 5,217,000 | 8,745,000 | 10,649,000 | 10,338,000 |
| Equity capital | 10,753,000 | 10,121,000 | 10,532,000 | 10,533,000 |
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 | 497,000 | 1,115,000 | 1,917,000 | 2,866,000 |
| Interest expense | 109,000 | 254,000 | 437,000 | 702,000 |
| Net interest income | 388,000 | 861,000 | 1,480,000 | 2,164,000 |
| Noninterest income | 34,000 | 80,000 | 119,000 | 180,000 |
| Noninterest expense | 385,000 | 880,000 | 1,378,000 | 1,968,000 |
| Provision for loan losses | 36,000 | 153,000 | 250,000 | 360,000 |
| Pretax income | 1,000 | -92,000 | -29,000 | 16,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,000 | -92,000 | -29,000 | 16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,661,000 | 10,566,000 | 10,630,000 | 10,676,000 |
| Total capital | 10,984,000 | 11,007,000 | 11,169,000 | 11,326,000 |
| Risk-weighted assets | 32,259,000 | 46,063,000 | 52,043,000 | 60,261,000 |
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