Call reports 2013
PALM BEACH COMMUNITY BANK — 2013
What PALM BEACH COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 219,560,000 | 236,530,000 | 240,346,000 | 230,324,000 |
| Total loans | 177,680,000 | 179,086,000 | 184,294,000 | 182,584,000 |
| Allowance for loan losses | 1,951,000 | 1,991,000 | 2,032,000 | 2,085,000 |
| Securities available for sale | 17,392,000 | 15,819,000 | 16,888,000 | 16,300,000 |
| Securities held to maturity | 9,167,000 | 8,685,000 | 9,297,000 | 10,253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,466,000 | 203,910,000 | 207,001,000 | 196,251,000 |
| Interest-bearing deposits | 171,031,000 | 184,790,000 | 181,679,000 | 174,652,000 |
| Noninterest-bearing deposits | 15,435,000 | 19,120,000 | 25,322,000 | 21,599,000 |
| Equity capital | 29,240,000 | 28,537,000 | 29,561,000 | 30,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,588,000 | 5,330,000 | 8,142,000 | 10,855,000 |
| Interest expense | 338,000 | 689,000 | 1,025,000 | 1,327,000 |
| Net interest income | 2,250,000 | 4,641,000 | 7,117,000 | 9,528,000 |
| Noninterest income | 25,000 | 65,000 | 98,000 | 148,000 |
| Noninterest expense | 1,612,000 | 3,229,000 | 4,804,000 | 6,449,000 |
| Provision for loan losses | 0 | 40,000 | 81,000 | 234,000 |
| Pretax income | 663,000 | 1,437,000 | 2,330,000 | 2,993,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 663,000 | 1,437,000 | 2,330,000 | 2,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,584,000 | 28,236,000 | 29,403,000 | 30,065,000 |
| Total capital | 30,437,000 | 30,096,000 | 31,368,000 | 32,026,000 |
| Risk-weighted assets | 148,122,000 | 148,643,000 | 157,124,000 | 156,726,000 |