Call reports 2012
HIGH DESERT BANK — 2012
What HIGH DESERT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 31,348,000 | 30,613,000 | 30,195,000 | 29,833,000 |
| Total loans | 25,268,000 | 25,183,000 | 22,448,000 | 21,237,000 |
| Allowance for loan losses | 957,000 | 814,000 | 896,000 | 908,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,545,000 | 28,944,000 | 28,633,000 | 27,267,000 |
| Interest-bearing deposits | 26,613,000 | 25,762,000 | 25,055,000 | 23,642,000 |
| Noninterest-bearing deposits | 2,932,000 | 3,182,000 | 3,578,000 | 3,625,000 |
| Equity capital | 1,765,000 | 1,637,000 | 1,521,000 | 2,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 799,000 | 1,190,000 | 1,528,000 |
| Interest expense | 54,000 | 105,000 | 151,000 | 189,000 |
| Net interest income | 350,000 | 694,000 | 1,039,000 | 1,339,000 |
| Noninterest income | -212,000 | -128,000 | -109,000 | -94,000 |
| Noninterest expense | 446,000 | 901,000 | 1,299,000 | 1,843,000 |
| Provision for loan losses | 0 | 101,000 | 183,000 | 330,000 |
| Pretax income | -308,000 | -436,000 | -552,000 | -928,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -308,000 | -436,000 | -552,000 | -928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,765,000 | 1,637,000 | 1,521,000 | 2,508,000 |
| Total capital | 2,059,000 | 1,926,000 | 1,787,000 | 2,756,000 |
| Risk-weighted assets | 22,865,000 | 22,613,000 | 20,647,000 | 19,168,000 |
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