Call reports 2002
PALM DESERT NATIONAL BANK — 2002
What PALM DESERT NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 179,555,000 | 187,119,000 | 193,319,000 | 208,727,000 |
| Total loans | 100,893,000 | 99,161,000 | 107,119,000 | 109,240,000 |
| Allowance for loan losses | 1,289,000 | 1,338,000 | 1,386,000 | 1,408,000 |
| Securities available for sale | 4,014,000 | 4,545,000 | 4,612,000 | 4,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,201,000 | 160,513,000 | 163,433,000 | 177,332,000 |
| Interest-bearing deposits | 99,674,000 | 104,069,000 | 112,036,000 | 126,056,000 |
| Noninterest-bearing deposits | 58,527,000 | 56,444,000 | 51,397,000 | 51,276,000 |
| Equity capital | 11,859,000 | 12,202,000 | 12,764,000 | 13,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,949,000 | 4,017,000 | 6,084,000 | 8,357,000 |
| Interest expense | 650,000 | 1,233,000 | 1,873,000 | 2,578,000 |
| Net interest income | 1,299,000 | 2,784,000 | 4,211,000 | 5,779,000 |
| Noninterest income | 2,479,000 | 5,357,000 | 8,097,000 | 11,372,000 |
| Noninterest expense | 3,126,000 | 6,888,000 | 10,095,000 | 13,704,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 622,000 | 1,193,000 | 2,123,000 | 3,327,000 |
| Income tax | 256,000 | 491,000 | 874,000 | 1,369,000 |
| Net income | 366,000 | 702,000 | 1,249,000 | 1,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,857,000 | 12,193,000 | 12,740,000 | 13,449,000 |
| Total capital | 13,057,000 | 13,395,000 | 14,008,000 | 14,704,000 |
| Risk-weighted assets | 95,874,000 | 95,987,000 | 101,334,000 | 100,243,000 |