Call reports 2013
HIGH DESERT BANK — 2013
What HIGH DESERT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 29,925,000 | 28,897,000 | 29,199,000 | 28,754,000 |
| Total loans | 21,513,000 | 20,326,000 | 19,127,000 | 19,950,000 |
| Allowance for loan losses | 1,019,000 | 772,000 | 759,000 | 704,000 |
| Securities available for sale | 0 | 0 | 0 | 1,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,661,000 | 27,026,000 | 27,409,000 | 26,846,000 |
| Interest-bearing deposits | 24,289,000 | 23,337,000 | 23,115,000 | 22,825,000 |
| Noninterest-bearing deposits | 3,372,000 | 3,689,000 | 4,294,000 | 4,021,000 |
| Equity capital | 2,240,000 | 1,844,000 | 1,745,000 | 1,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 326,000 | 625,000 | 919,000 | 1,194,000 |
| Interest expense | 30,000 | 58,000 | 83,000 | 107,000 |
| Net interest income | 296,000 | 567,000 | 836,000 | 1,087,000 |
| Noninterest income | 14,000 | 29,000 | 43,000 | 54,000 |
| Noninterest expense | 375,000 | 757,000 | 1,154,000 | 1,601,000 |
| Provision for loan losses | 123,000 | 423,000 | 423,000 | 423,000 |
| Pretax income | -188,000 | -584,000 | -698,000 | -883,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -188,000 | -584,000 | -698,000 | -883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,240,000 | 1,844,000 | 1,745,000 | 1,877,000 |
| Total capital | 2,490,000 | 2,073,000 | 1,953,000 | 2,084,000 |
| Risk-weighted assets | 19,266,000 | 17,811,000 | 16,056,000 | 16,005,000 |
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