Call reports 2015
PALM BEACH COMMUNITY BANK — 2015
What PALM BEACH COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 314,586,000 | 320,054,000 | 324,134,000 | 315,377,000 |
| Total loans | 245,821,000 | 259,327,000 | 248,517,000 | 257,665,000 |
| Allowance for loan losses | 2,071,000 | 2,082,000 | 1,882,000 | 1,835,000 |
| Securities available for sale | 25,469,000 | 24,496,000 | 23,718,000 | 23,192,000 |
| Securities held to maturity | 13,316,000 | 12,918,000 | 12,795,000 | 12,658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,816,000 | 264,043,000 | 273,944,000 | 264,117,000 |
| Interest-bearing deposits | 233,309,000 | 231,823,000 | 236,530,000 | 234,196,000 |
| Noninterest-bearing deposits | 31,507,000 | 32,220,000 | 37,414,000 | 29,921,000 |
| Equity capital | 34,032,000 | 33,960,000 | 35,899,000 | 37,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,414,000 | 7,068,000 | 10,778,000 | 14,514,000 |
| Interest expense | 443,000 | 935,000 | 1,455,000 | 1,970,000 |
| Net interest income | 2,971,000 | 6,133,000 | 9,323,000 | 12,544,000 |
| Noninterest income | 135,000 | 227,000 | 329,000 | 385,000 |
| Noninterest expense | 1,795,000 | 3,617,000 | 5,446,000 | 7,273,000 |
| Provision for loan losses | 200,000 | 420,000 | 220,000 | 173,000 |
| Pretax income | 1,111,000 | 2,323,000 | 3,986,000 | 5,483,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,111,000 | 2,323,000 | 3,986,000 | 5,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,388,000 | 33,630,000 | 35,391,000 | 36,909,000 |
| Total capital | 35,459,000 | 35,712,000 | 37,273,000 | 38,744,000 |
| Risk-weighted assets | 213,278,000 | 223,522,000 | 215,108,000 | 222,018,000 |