Call reports 2007
PALM DESERT NATIONAL BANK — 2007
What PALM DESERT NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 376,589,000 | 359,258,000 | 357,974,000 | 392,291,000 |
| Total loans | 209,817,000 | 212,641,000 | 228,464,000 | 246,343,000 |
| Allowance for loan losses | 2,785,000 | 2,935,000 | 3,501,000 | 3,863,000 |
| Securities available for sale | 5,454,000 | 5,483,000 | 5,460,000 | 5,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,259,000 | 290,698,000 | 284,719,000 | 293,491,000 |
| Interest-bearing deposits | 211,144,000 | 217,213,000 | 214,840,000 | 215,838,000 |
| Noninterest-bearing deposits | 85,115,000 | 73,485,000 | 69,879,000 | 77,653,000 |
| Equity capital | 30,334,000 | 30,139,000 | 29,940,000 | 31,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,927,000 | 10,070,000 | 15,433,000 | 20,924,000 |
| Interest expense | 2,859,000 | 5,014,000 | 7,394,000 | 9,901,000 |
| Net interest income | 2,068,000 | 5,056,000 | 8,039,000 | 11,023,000 |
| Noninterest income | 7,364,000 | 13,748,000 | 20,283,000 | 26,796,000 |
| Noninterest expense | 7,434,000 | 14,790,000 | 22,334,000 | 29,518,000 |
| Provision for loan losses | 150,000 | 212,000 | 822,000 | 1,272,000 |
| Pretax income | 1,848,000 | 3,802,000 | 5,166,000 | 7,029,000 |
| Income tax | 65,000 | 133,000 | 181,000 | 246,000 |
| Net income | 1,783,000 | 3,669,000 | 4,985,000 | 6,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,209,000 | 30,019,000 | 29,814,000 | 30,919,000 |
| Total capital | 33,078,000 | 33,052,000 | 32,949,000 | 34,334,000 |
| Risk-weighted assets | 245,894,000 | 242,968,000 | 250,306,000 | 272,642,000 |