Call reports 2005
PALM DESERT NATIONAL BANK — 2005
What PALM DESERT NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 259,368,000 | 274,555,000 | 305,787,000 | 298,155,000 |
| Total loans | 148,135,000 | 160,644,000 | 161,045,000 | 176,654,000 |
| Allowance for loan losses | 1,816,000 | 1,979,000 | 2,241,000 | 2,316,000 |
| Securities available for sale | 5,474,000 | 5,483,000 | 5,487,000 | 5,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,964,000 | 225,582,000 | 269,373,000 | 262,495,000 |
| Interest-bearing deposits | 152,149,000 | 149,315,000 | 194,562,000 | 185,588,000 |
| Noninterest-bearing deposits | 73,815,000 | 76,267,000 | 74,811,000 | 76,907,000 |
| Equity capital | 27,061,000 | 27,327,000 | 28,190,000 | 28,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,631,000 | 5,607,000 | 8,824,000 | 12,610,000 |
| Interest expense | 745,000 | 1,468,000 | 2,368,000 | 3,625,000 |
| Net interest income | 1,886,000 | 4,139,000 | 6,456,000 | 8,985,000 |
| Noninterest income | 5,589,000 | 10,862,000 | 16,474,000 | 21,552,000 |
| Noninterest expense | 5,902,000 | 11,484,000 | 17,087,000 | 23,277,000 |
| Provision for loan losses | 60,000 | 220,000 | 480,000 | 570,000 |
| Pretax income | 1,513,000 | 3,297,000 | 5,363,000 | 6,690,000 |
| Income tax | 758,000 | 820,000 | 542,000 | 589,000 |
| Net income | 755,000 | 2,477,000 | 4,821,000 | 6,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,087,000 | 27,315,000 | 28,200,000 | 28,882,000 |
| Total capital | 29,028,000 | 29,349,000 | 30,317,000 | 31,091,000 |
| Risk-weighted assets | 157,027,000 | 163,156,000 | 169,132,000 | 176,390,000 |