Call reports 2009
ROYAL PALM BANK OF FLORIDA, THE — 2009
What ROYAL PALM BANK OF FLORIDA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 196,219,000 | 154,184,000 | 149,213,000 | 150,596,000 |
| Total loans | 125,719,000 | 127,837,000 | 115,727,000 | 101,124,000 |
| Allowance for loan losses | 5,315,000 | 10,732,000 | 8,386,000 | 6,704,000 |
| Securities available for sale | 26,757,000 | 11,300,000 | 11,007,000 | 10,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,513,000 | 144,300,000 | 145,047,000 | 136,352,000 |
| Interest-bearing deposits | 145,093,000 | 135,497,000 | 139,424,000 | 127,375,000 |
| Noninterest-bearing deposits | 6,420,000 | 8,803,000 | 5,623,000 | 8,977,000 |
| Equity capital | 40,419,000 | 8,698,000 | 2,761,000 | 13,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,949,000 | 3,536,000 | 5,080,000 | 6,591,000 |
| Interest expense | 1,037,000 | 2,039,000 | 2,896,000 | 3,590,000 |
| Net interest income | 912,000 | 1,497,000 | 2,184,000 | 3,001,000 |
| Noninterest income | -39,000 | -1,201,000 | -1,410,000 | -1,858,000 |
| Noninterest expense | 1,476,000 | 29,620,000 | 31,018,000 | 32,512,000 |
| Provision for loan losses | 1,735,000 | 7,418,000 | 11,001,000 | 14,278,000 |
| Pretax income | -2,338,000 | -36,742,000 | -41,245,000 | -45,647,000 |
| Income tax | -837,000 | -3,490,000 | -1,995,000 | -4,260,000 |
| Net income | -1,501,000 | -33,252,000 | -39,250,000 | -41,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,428,000 | 8,298,000 | 2,314,000 | 13,192,000 |
| Total capital | 14,961,000 | 9,843,000 | 3,674,000 | 14,456,000 |
| Risk-weighted assets | 118,845,000 | 114,423,000 | 101,740,000 | 95,647,000 |