Call reports 2005
ROYAL PALM BANK OF FLORIDA, THE — 2005
What ROYAL PALM BANK OF FLORIDA, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 98,164,000 | 114,879,000 | 136,810,000 | 147,378,000 |
| Total loans | 81,208,000 | 94,131,000 | 108,012,000 | 122,225,000 |
| Allowance for loan losses | 852,000 | 971,000 | 1,116,000 | 1,296,000 |
| Securities available for sale | 7,597,000 | 7,382,000 | 6,753,000 | 6,202,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,018,000 | 95,355,000 | 117,030,000 | 127,275,000 |
| Interest-bearing deposits | 76,614,000 | 87,620,000 | 109,475,000 | 119,623,000 |
| Noninterest-bearing deposits | 7,404,000 | 7,735,000 | 7,555,000 | 7,652,000 |
| Equity capital | 13,887,000 | 14,122,000 | 14,344,000 | 14,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 3,084,000 | 5,068,000 | 7,545,000 |
| Interest expense | 439,000 | 993,000 | 1,737,000 | 2,759,000 |
| Net interest income | 958,000 | 2,091,000 | 3,331,000 | 4,786,000 |
| Noninterest income | 34,000 | 66,000 | 97,000 | 118,000 |
| Noninterest expense | 705,000 | 1,448,000 | 2,217,000 | 3,118,000 |
| Provision for loan losses | 86,000 | 205,000 | 350,000 | 530,000 |
| Pretax income | 201,000 | 504,000 | 861,000 | 1,256,000 |
| Income tax | 71,000 | 192,000 | 311,000 | 461,000 |
| Net income | 130,000 | 312,000 | 550,000 | 795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,122,000 | 13,458,000 | 13,804,000 | 14,242,000 |
| Total capital | 13,974,000 | 14,429,000 | 14,920,000 | 15,538,000 |
| Risk-weighted assets | 81,580,000 | 95,252,000 | 113,558,000 | 126,417,000 |