Call reports 2009
PALM BEACH COMMUNITY BANK — 2009
What PALM BEACH COMMUNITY BANK 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 | 108,835,000 | 124,095,000 | 130,326,000 | 131,179,000 |
| Total loans | 73,713,000 | 79,350,000 | 90,318,000 | 94,274,000 |
| Allowance for loan losses | 1,176,000 | 1,226,000 | 1,377,000 | 860,000 |
| Securities available for sale | 15,687,000 | 24,490,000 | 23,240,000 | 23,166,000 |
| Securities held to maturity | 8,549,000 | 7,746,000 | 6,962,000 | 6,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,597,000 | 91,520,000 | 99,690,000 | 100,241,000 |
| Interest-bearing deposits | 82,066,000 | 87,685,000 | 95,249,000 | 95,072,000 |
| Noninterest-bearing deposits | 3,531,000 | 3,835,000 | 4,441,000 | 5,169,000 |
| Equity capital | 21,659,000 | 21,525,000 | 21,879,000 | 22,170,000 |
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 | 1,286,000 | 2,775,000 | 4,430,000 | 6,225,000 |
| Interest expense | 589,000 | 1,221,000 | 1,794,000 | 2,307,000 |
| Net interest income | 697,000 | 1,554,000 | 2,636,000 | 3,918,000 |
| Noninterest income | 17,000 | 26,000 | 35,000 | 49,000 |
| Noninterest expense | 756,000 | 1,746,000 | 2,577,000 | 3,359,000 |
| Provision for loan losses | 109,000 | 159,000 | 310,000 | 543,000 |
| Pretax income | -151,000 | -325,000 | -216,000 | 65,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -151,000 | -325,000 | -216,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,462,000 | 21,427,000 | 21,536,000 | 21,816,000 |
| Total capital | 22,153,000 | 22,185,000 | 22,367,000 | 22,666,000 |
| Risk-weighted assets | 54,820,000 | 60,209,000 | 65,355,000 | 67,667,000 |