Call reports 2004
PALM DESERT NATIONAL BANK — 2004
What PALM DESERT NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 331,170,000 | 333,814,000 | 270,143,000 | 244,425,000 |
| Total loans | 120,112,000 | 122,970,000 | 128,120,000 | 138,427,000 |
| Allowance for loan losses | 1,756,000 | 1,769,000 | 1,774,000 | 1,753,000 |
| Securities available for sale | 5,524,000 | 5,462,000 | 35,426,000 | 5,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,720,000 | 280,967,000 | 240,167,000 | 211,376,000 |
| Interest-bearing deposits | 210,649,000 | 214,313,000 | 173,780,000 | 141,351,000 |
| Noninterest-bearing deposits | 69,071,000 | 66,654,000 | 66,387,000 | 70,025,000 |
| Equity capital | 23,313,000 | 24,134,000 | 24,842,000 | 25,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,025,000 | 4,214,000 | 6,542,000 | 9,048,000 |
| Interest expense | 803,000 | 1,562,000 | 2,304,000 | 2,830,000 |
| Net interest income | 1,222,000 | 2,652,000 | 4,238,000 | 6,218,000 |
| Noninterest income | 6,162,000 | 12,581,000 | 18,750,000 | 24,326,000 |
| Noninterest expense | 5,857,000 | 11,937,000 | 18,432,000 | 24,835,000 |
| Provision for loan losses | 120,000 | 205,000 | 265,000 | 385,000 |
| Pretax income | 1,407,000 | 3,091,000 | 4,291,000 | 5,324,000 |
| Income tax | 579,000 | 1,272,000 | 1,766,000 | 2,191,000 |
| Net income | 828,000 | 1,819,000 | 2,525,000 | 3,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,303,000 | 24,157,000 | 24,863,000 | 25,333,000 |
| Total capital | 24,855,000 | 25,744,000 | 26,683,000 | 27,145,000 |
| Risk-weighted assets | 123,873,000 | 126,660,000 | 145,580,000 | 144,952,000 |