Call reports 2009
PALM DESERT NATIONAL BANK — 2009
What PALM DESERT NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 293,428,000 | 278,410,000 | 266,328,000 | 293,849,000 |
| Total loans | 254,588,000 | 248,210,000 | 226,460,000 | 194,155,000 |
| Allowance for loan losses | 8,853,000 | 6,715,000 | 8,476,000 | 9,104,000 |
| Securities available for sale | 9,424,000 | 7,314,000 | 10,843,000 | 10,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,318,000 | 250,922,000 | 243,076,000 | 279,133,000 |
| Interest-bearing deposits | 181,473,000 | 171,096,000 | 160,110,000 | 183,591,000 |
| Noninterest-bearing deposits | 84,845,000 | 79,826,000 | 82,966,000 | 95,542,000 |
| Equity capital | 26,096,000 | 25,268,000 | 21,284,000 | 13,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,840,000 | 7,093,000 | 10,244,000 | 13,076,000 |
| Interest expense | 954,000 | 1,623,000 | 2,270,000 | 2,982,000 |
| Net interest income | 2,886,000 | 5,470,000 | 7,974,000 | 10,094,000 |
| Noninterest income | 1,251,000 | 2,431,000 | 4,304,000 | 5,491,000 |
| Noninterest expense | 3,933,000 | 7,969,000 | 11,663,000 | 15,705,000 |
| Provision for loan losses | 6,318,000 | 7,736,000 | 12,452,000 | 19,789,000 |
| Pretax income | -6,114,000 | -7,750,000 | -11,783,000 | -19,855,000 |
| Income tax | -42,000 | -53,000 | -128,000 | -318,000 |
| Net income | -6,072,000 | -7,697,000 | -11,655,000 | -19,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,022,000 | 25,240,000 | 21,283,000 | 13,400,000 |
| Total capital | 29,283,000 | 28,385,000 | 24,208,000 | 16,118,000 |
| Risk-weighted assets | 254,464,000 | 247,992,000 | 228,428,000 | 210,245,000 |
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