Call reports 2004
ROYAL PALM BANK OF FLORIDA, THE — 2004
What ROYAL PALM BANK OF FLORIDA, 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 | 74,174,000 | 73,268,000 | 85,013,000 | 94,684,000 |
| Total loans | 51,194,000 | 56,655,000 | 66,267,000 | 72,901,000 |
| Allowance for loan losses | 562,000 | 595,000 | 697,000 | 766,000 |
| Securities available for sale | 6,428,000 | 6,396,000 | 6,225,000 | 7,981,000 |
| Securities held to maturity | 2,500,000 | 2,500,000 | 2,500,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,351,000 | 64,457,000 | 76,045,000 | 85,661,000 |
| Interest-bearing deposits | 62,398,000 | 60,469,000 | 70,735,000 | 77,505,000 |
| Noninterest-bearing deposits | 2,953,000 | 3,988,000 | 5,310,000 | 8,156,000 |
| Equity capital | 8,722,000 | 8,665,000 | 8,762,000 | 8,820,000 |
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 | 855,000 | 1,844,000 | 2,967,000 | 4,238,000 |
| Interest expense | 267,000 | 569,000 | 904,000 | 1,321,000 |
| Net interest income | 588,000 | 1,275,000 | 2,063,000 | 2,917,000 |
| Noninterest income | 15,000 | 38,000 | 65,000 | 95,000 |
| Noninterest expense | 639,000 | 1,283,000 | 1,948,000 | 2,640,000 |
| Provision for loan losses | 20,000 | 53,000 | 155,000 | 224,000 |
| Pretax income | -56,000 | -23,000 | 25,000 | 148,000 |
| Income tax | -21,000 | -21,000 | 6,000 | 48,000 |
| Net income | -35,000 | -2,000 | 19,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,778,000 | 7,757,000 | 7,850,000 | 7,960,000 |
| Total capital | 8,340,000 | 8,352,000 | 8,547,000 | 8,726,000 |
| Risk-weighted assets | 46,311,000 | 56,292,000 | 68,777,000 | 75,587,000 |