Call reports 2006
ROYAL PALM BANK OF FLORIDA, THE — 2006
What ROYAL PALM BANK OF FLORIDA, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 148,730,000 | 146,978,000 | 155,314,000 | 189,707,000 |
| Total loans | 131,320,000 | 131,625,000 | 129,051,000 | 119,047,000 |
| Allowance for loan losses | 1,714,000 | 1,725,000 | 1,725,000 | 1,725,000 |
| Securities available for sale | 5,903,000 | 5,545,000 | 6,845,000 | 12,969,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,484,000 | 126,167,000 | 133,762,000 | 142,255,000 |
| Interest-bearing deposits | 122,168,000 | 119,175,000 | 128,441,000 | 137,564,000 |
| Noninterest-bearing deposits | 6,316,000 | 6,992,000 | 5,321,000 | 4,691,000 |
| Equity capital | 14,667,000 | 15,100,000 | 15,530,000 | 41,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,685,000 | 5,565,000 | 8,531,000 | 1,768,000 |
| Interest expense | 1,152,000 | 2,424,000 | 3,850,000 | 864,000 |
| Net interest income | 1,533,000 | 3,141,000 | 4,681,000 | 904,000 |
| Noninterest income | 36,000 | 199,000 | 235,000 | 23,000 |
| Noninterest expense | 1,015,000 | 2,052,000 | 3,051,000 | 636,000 |
| Provision for loan losses | 418,000 | 429,000 | 429,000 | 0 |
| Pretax income | 136,000 | 859,000 | 1,436,000 | 291,000 |
| Income tax | 59,000 | 316,000 | 529,000 | 144,000 |
| Net income | 77,000 | 543,000 | 907,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,783,000 | 15,249,000 | 15,613,000 | 14,067,000 |
| Total capital | 16,479,000 | 16,919,000 | 17,295,000 | 15,696,000 |
| Risk-weighted assets | 135,700,000 | 133,522,000 | 134,528,000 | 130,249,000 |