Call reports 2008
PALM DESERT NATIONAL BANK — 2008
What PALM DESERT NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 386,943,000 | 369,471,000 | 403,019,000 | 300,784,000 |
| Total loans | 253,274,000 | 265,957,000 | 267,639,000 | 269,778,000 |
| Allowance for loan losses | 6,380,000 | 7,073,000 | 6,814,000 | 6,990,000 |
| Securities available for sale | 5,528,000 | 5,512,000 | 9,367,000 | 9,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,469,000 | 298,886,000 | 321,055,000 | 255,799,000 |
| Interest-bearing deposits | 207,327,000 | 220,127,000 | 257,830,000 | 197,856,000 |
| Noninterest-bearing deposits | 89,142,000 | 78,759,000 | 63,225,000 | 57,943,000 |
| Equity capital | 30,442,000 | 31,150,000 | 38,227,000 | 34,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,085,000 | 9,445,000 | 14,007,000 | 18,162,000 |
| Interest expense | 2,615,000 | 4,177,000 | 5,871,000 | 7,140,000 |
| Net interest income | 2,470,000 | 5,268,000 | 8,136,000 | 11,022,000 |
| Noninterest income | 7,616,000 | 15,391,000 | 34,871,000 | 36,480,000 |
| Noninterest expense | 7,805,000 | 14,484,000 | 21,873,000 | 25,350,000 |
| Provision for loan losses | 2,360,000 | 4,840,000 | 8,632,000 | 13,651,000 |
| Pretax income | -79,000 | 1,335,000 | 12,502,000 | 8,501,000 |
| Income tax | 0 | 47,000 | 3,943,000 | 3,351,000 |
| Net income | -79,000 | 1,288,000 | 8,559,000 | 5,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,287,000 | 31,032,000 | 38,258,000 | 34,698,000 |
| Total capital | 33,853,000 | 34,672,000 | 42,182,000 | 38,228,000 |
| Risk-weighted assets | 282,157,000 | 287,399,000 | 310,854,000 | 278,074,000 |