Call reports 2012
PALM BEACH COMMUNITY BANK — 2012
What PALM BEACH COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 198,940,000 | 205,742,000 | 210,829,000 | 214,902,000 |
| Total loans | 148,253,000 | 164,785,000 | 170,104,000 | 171,175,000 |
| Allowance for loan losses | 1,480,000 | 1,665,000 | 1,795,000 | 1,951,000 |
| Securities available for sale | 27,031,000 | 20,447,000 | 20,386,000 | 19,882,000 |
| Securities held to maturity | 6,280,000 | 7,012,000 | 7,930,000 | 9,540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,758,000 | 177,005,000 | 175,837,000 | 176,133,000 |
| Interest-bearing deposits | 154,699,000 | 162,673,000 | 161,231,000 | 162,019,000 |
| Noninterest-bearing deposits | 12,059,000 | 14,332,000 | 14,606,000 | 14,114,000 |
| Equity capital | 27,229,000 | 27,322,000 | 27,960,000 | 28,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,388,000 | 4,806,000 | 7,329,000 | 9,999,000 |
| Interest expense | 356,000 | 719,000 | 1,053,000 | 1,387,000 |
| Net interest income | 2,032,000 | 4,087,000 | 6,276,000 | 8,612,000 |
| Noninterest income | 25,000 | 50,000 | 72,000 | 106,000 |
| Noninterest expense | 1,343,000 | 2,722,000 | 4,162,000 | 5,651,000 |
| Provision for loan losses | 100,000 | 285,000 | 415,000 | 571,000 |
| Pretax income | 614,000 | 1,219,000 | 1,860,000 | 2,585,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 614,000 | 1,219,000 | 1,860,000 | 2,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,543,000 | 26,555,000 | 27,196,000 | 27,921,000 |
| Total capital | 28,005,000 | 28,200,000 | 28,911,000 | 29,666,000 |
| Risk-weighted assets | 116,979,000 | 131,897,000 | 137,087,000 | 139,418,000 |