Call reports 2003
PALM DESERT NATIONAL BANK — 2003
What PALM DESERT NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 228,088,000 | 214,622,000 | 223,442,000 | 296,409,000 |
| Total loans | 109,973,000 | 111,701,000 | 111,782,000 | 109,938,000 |
| Allowance for loan losses | 1,559,000 | 1,628,000 | 1,728,000 | 1,827,000 |
| Securities available for sale | 4,589,000 | 4,612,000 | 14,646,000 | 11,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,566,000 | 190,920,000 | 190,275,000 | 261,745,000 |
| Interest-bearing deposits | 140,184,000 | 135,573,000 | 134,179,000 | 197,219,000 |
| Noninterest-bearing deposits | 56,382,000 | 55,347,000 | 56,096,000 | 64,526,000 |
| Equity capital | 13,847,000 | 14,263,000 | 14,767,000 | 22,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,120,000 | 4,353,000 | 6,557,000 | 8,615,000 |
| Interest expense | 653,000 | 1,366,000 | 1,953,000 | 2,592,000 |
| Net interest income | 1,467,000 | 2,987,000 | 4,604,000 | 6,023,000 |
| Noninterest income | 3,273,000 | 6,817,000 | 10,811,000 | 16,083,000 |
| Noninterest expense | 3,675,000 | 7,605,000 | 11,959,000 | 17,297,000 |
| Provision for loan losses | 90,000 | 180,000 | 255,000 | 345,000 |
| Pretax income | 975,000 | 2,019,000 | 3,201,000 | 4,464,000 |
| Income tax | 401,000 | 831,000 | 1,317,000 | 1,862,000 |
| Net income | 574,000 | 1,188,000 | 1,884,000 | 2,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,822,000 | 14,236,000 | 14,757,000 | 22,475,000 |
| Total capital | 15,143,000 | 15,642,000 | 16,188,000 | 23,940,000 |
| Risk-weighted assets | 105,408,000 | 112,243,000 | 114,149,000 | 116,857,000 |