Call reports 2011
ROYAL PALM BANK OF FLORIDA, THE — 2011
What ROYAL PALM BANK OF FLORIDA, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 112,284,000 | 107,727,000 | 95,978,000 | 89,129,000 |
| Total loans | 77,456,000 | 71,549,000 | 63,301,000 | 60,340,000 |
| Allowance for loan losses | 7,821,000 | 6,889,000 | 5,054,000 | 4,819,000 |
| Securities available for sale | 7,663,000 | 1,943,000 | 2,393,000 | 2,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,016,000 | 103,891,000 | 92,854,000 | 86,383,000 |
| Interest-bearing deposits | 96,273,000 | 93,184,000 | 82,340,000 | 74,189,000 |
| Noninterest-bearing deposits | 11,743,000 | 10,707,000 | 10,514,000 | 12,194,000 |
| Equity capital | 3,155,000 | 2,870,000 | 2,177,000 | 2,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,125,000 | 2,161,000 | 3,063,000 | 3,826,000 |
| Interest expense | 380,000 | 719,000 | 1,002,000 | 1,213,000 |
| Net interest income | 745,000 | 1,442,000 | 2,061,000 | 2,613,000 |
| Noninterest income | -32,000 | -240,000 | -246,000 | 62,000 |
| Noninterest expense | 1,580,000 | 2,897,000 | 4,051,000 | 5,178,000 |
| Provision for loan losses | 300,000 | 563,000 | 713,000 | 513,000 |
| Pretax income | -1,167,000 | -2,049,000 | -2,740,000 | -2,807,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,167,000 | -2,049,000 | -2,740,000 | -2,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,841,000 | 2,801,000 | 2,113,000 | 2,050,000 |
| Total capital | 3,864,000 | 3,781,000 | 2,959,000 | 2,867,000 |
| Risk-weighted assets | 75,060,000 | 72,456,000 | 63,490,000 | 61,374,000 |