Call reports 2007
PALM BANK, THE — 2007
What PALM BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 147,335,000 | 156,812,000 | 158,191,000 | 175,385,000 |
| Total loans | 109,222,000 | 113,916,000 | 114,675,000 | 116,737,000 |
| Allowance for loan losses | 1,344,000 | 1,382,000 | 1,426,000 | 1,506,000 |
| Securities available for sale | 26,862,000 | 30,542,000 | 30,206,000 | 30,901,000 |
| Securities held to maturity | 4,361,000 | 4,361,000 | 4,361,000 | 4,361,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,056,000 | 114,680,000 | 121,438,000 | 136,486,000 |
| Interest-bearing deposits | 99,326,000 | 98,683,000 | 104,292,000 | 104,741,000 |
| Noninterest-bearing deposits | 15,730,000 | 15,997,000 | 17,146,000 | 31,745,000 |
| Equity capital | 11,194,000 | 10,828,000 | 11,397,000 | 12,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,564,000 | 5,170,000 | 7,916,000 | 10,631,000 |
| Interest expense | 1,370,000 | 2,828,000 | 4,377,000 | 5,862,000 |
| Net interest income | 1,194,000 | 2,342,000 | 3,539,000 | 4,769,000 |
| Noninterest income | 169,000 | 361,000 | 699,000 | 958,000 |
| Noninterest expense | 1,181,000 | 2,410,000 | 3,697,000 | 4,904,000 |
| Provision for loan losses | 89,000 | 127,000 | 198,000 | 278,000 |
| Pretax income | 93,000 | 166,000 | 343,000 | 480,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 93,000 | 166,000 | 343,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,565,000 | 11,632,000 | 11,752,000 | 12,677,000 |
| Total capital | 12,909,000 | 13,014,000 | 13,178,000 | 14,183,000 |
| Risk-weighted assets | 121,450,000 | 126,410,000 | 127,920,000 | 132,938,000 |
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