Call reports 2007
ROYAL PALM BANK OF FLORIDA, THE — 2007
What ROYAL PALM BANK OF FLORIDA, 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 | 187,800,000 | 168,905,000 | 168,741,000 | 167,547,000 |
| Total loans | 112,411,000 | 112,456,000 | 112,240,000 | 112,539,000 |
| Allowance for loan losses | 1,725,000 | 1,725,000 | 1,725,000 | 1,455,000 |
| Securities available for sale | 13,856,000 | 13,364,000 | 13,353,000 | 13,318,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,877,000 | 125,998,000 | 121,628,000 | 123,903,000 |
| Interest-bearing deposits | 133,910,000 | 120,624,000 | 116,733,000 | 119,728,000 |
| Noninterest-bearing deposits | 5,967,000 | 5,374,000 | 4,895,000 | 4,175,000 |
| Equity capital | 41,706,000 | 41,749,000 | 41,911,000 | 42,023,000 |
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 | 3,059,000 | 5,950,000 | 8,635,000 | 11,164,000 |
| Interest expense | 1,501,000 | 2,890,000 | 4,196,000 | 5,493,000 |
| Net interest income | 1,558,000 | 3,060,000 | 4,439,000 | 5,671,000 |
| Noninterest income | 36,000 | 93,000 | 142,000 | 186,000 |
| Noninterest expense | 1,096,000 | 2,332,000 | 3,616,000 | 4,941,000 |
| Provision for loan losses | 0 | 0 | 0 | 275,000 |
| Pretax income | 498,000 | 821,000 | 965,000 | 641,000 |
| Income tax | 204,000 | 326,000 | 413,000 | 80,000 |
| Net income | 294,000 | 495,000 | 552,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,722,000 | 14,947,000 | 15,028,000 | 15,099,000 |
| Total capital | 16,235,000 | 16,436,000 | 16,508,000 | 16,554,000 |
| Risk-weighted assets | 120,839,000 | 118,883,000 | 118,194,000 | 119,904,000 |