Call reports 2006
PALM DESERT NATIONAL BANK — 2006
What PALM DESERT NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 319,886,000 | 306,179,000 | 298,969,000 | 411,166,000 |
| Total loans | 197,604,000 | 186,802,000 | 190,405,000 | 206,493,000 |
| Allowance for loan losses | 2,500,000 | 2,244,000 | 2,431,000 | 2,608,000 |
| Securities available for sale | 5,480,000 | 5,480,000 | 5,402,000 | 5,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,016,000 | 271,944,000 | 252,913,000 | 269,996,000 |
| Interest-bearing deposits | 205,158,000 | 197,682,000 | 186,702,000 | 196,869,000 |
| Noninterest-bearing deposits | 78,858,000 | 74,262,000 | 66,210,000 | 73,127,000 |
| Equity capital | 30,175,000 | 29,203,000 | 29,282,000 | 29,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,087,000 | 8,729,000 | 13,217,000 | 17,825,000 |
| Interest expense | 1,750,000 | 3,396,000 | 5,085,000 | 7,193,000 |
| Net interest income | 2,337,000 | 5,333,000 | 8,132,000 | 10,632,000 |
| Noninterest income | 6,723,000 | 11,238,000 | 15,719,000 | 20,987,000 |
| Noninterest expense | 6,376,000 | 12,104,000 | 17,648,000 | 23,767,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 600,000 |
| Pretax income | 2,504,000 | 4,107,000 | 5,663,000 | 7,252,000 |
| Income tax | 360,000 | 416,000 | 470,000 | 526,000 |
| Net income | 2,144,000 | 3,691,000 | 5,193,000 | 6,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,193,000 | 29,212,000 | 29,283,000 | 29,773,000 |
| Total capital | 32,710,000 | 31,541,000 | 31,661,000 | 32,466,000 |
| Risk-weighted assets | 201,162,000 | 191,209,000 | 190,127,000 | 224,216,000 |