Call reports 2016
PALM BEACH COMMUNITY BANK — 2016
What PALM BEACH COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 326,041,000 | 325,710,000 | 332,861,000 | 332,957,000 |
| Total loans | 260,789,000 | 259,822,000 | 270,773,000 | 276,374,000 |
| Allowance for loan losses | 1,834,000 | 1,834,000 | 1,929,000 | 2,226,000 |
| Securities available for sale | 22,487,000 | 22,057,000 | 21,234,000 | 26,937,000 |
| Securities held to maturity | 12,537,000 | 12,393,000 | 12,202,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,297,000 | 267,628,000 | 269,959,000 | 268,116,000 |
| Interest-bearing deposits | 229,902,000 | 233,899,000 | 231,199,000 | 232,640,000 |
| Noninterest-bearing deposits | 34,395,000 | 33,729,000 | 38,760,000 | 35,476,000 |
| Equity capital | 38,985,000 | 38,068,000 | 39,387,000 | 40,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,791,000 | 7,501,000 | 11,259,000 | 15,024,000 |
| Interest expense | 515,000 | 1,034,000 | 1,560,000 | 2,096,000 |
| Net interest income | 3,276,000 | 6,467,000 | 9,699,000 | 12,928,000 |
| Noninterest income | 52,000 | 118,000 | 207,000 | 297,000 |
| Noninterest expense | 1,899,000 | 3,867,000 | 5,748,000 | 7,812,000 |
| Provision for loan losses | 8,000 | 8,000 | 103,000 | 105,000 |
| Pretax income | 1,421,000 | 2,710,000 | 4,055,000 | 5,613,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,421,000 | 2,710,000 | 4,055,000 | 5,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,330,000 | 37,344,000 | 38,688,000 | 40,272,000 |
| Total capital | 40,164,000 | 39,178,000 | 40,617,000 | 42,498,000 |
| Risk-weighted assets | 223,003,000 | 231,583,000 | 241,536,000 | 245,381,000 |