Call reports 2010
ROYAL PALM BANK OF FLORIDA, THE — 2010
What ROYAL PALM BANK OF FLORIDA, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 143,389,000 | 132,887,000 | 126,275,000 | 116,718,000 |
| Total loans | 97,869,000 | 96,645,000 | 94,545,000 | 84,473,000 |
| Allowance for loan losses | 6,771,000 | 8,849,000 | 9,565,000 | 8,606,000 |
| Securities available for sale | 9,772,000 | 9,071,000 | 8,338,000 | 8,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,319,000 | 120,491,000 | 116,047,000 | 112,620,000 |
| Interest-bearing deposits | 119,268,000 | 111,311,000 | 107,486,000 | 105,099,000 |
| Noninterest-bearing deposits | 10,051,000 | 9,180,000 | 8,561,000 | 7,521,000 |
| Equity capital | 13,102,000 | 11,358,000 | 8,991,000 | 2,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,334,000 | 2,594,000 | 3,874,000 | 4,991,000 |
| Interest expense | 570,000 | 1,089,000 | 1,558,000 | 1,993,000 |
| Net interest income | 764,000 | 1,505,000 | 2,316,000 | 2,998,000 |
| Noninterest income | 20,000 | 37,000 | -404,000 | -740,000 |
| Noninterest expense | 1,703,000 | 3,085,000 | 4,724,000 | 6,017,000 |
| Provision for loan losses | 1,450,000 | 3,600,000 | 4,650,000 | 8,385,000 |
| Pretax income | -2,369,000 | -5,143,000 | -7,462,000 | -12,144,000 |
| Income tax | -610,000 | -943,000 | -985,000 | 586,000 |
| Net income | -1,759,000 | -4,200,000 | -6,477,000 | -12,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,693,000 | 11,013,000 | 8,746,000 | 2,504,000 |
| Total capital | 13,937,000 | 12,220,000 | 9,951,000 | 3,599,000 |
| Risk-weighted assets | 94,006,000 | 88,886,000 | 88,062,000 | 80,118,000 |