Call reports 2014
HIGH DESERT BANK — 2014
What HIGH DESERT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 29,655,000 | 27,926,000 | 28,052,000 | 27,157,000 |
| Total loans | 19,930,000 | 21,715,000 | 21,525,000 | 21,412,000 |
| Allowance for loan losses | 679,000 | 684,000 | 690,000 | 590,000 |
| Securities available for sale | 1,463,000 | 1,418,000 | 1,347,000 | 1,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,391,000 | 25,786,000 | 26,060,000 | 24,203,000 |
| Interest-bearing deposits | 22,612,000 | 22,260,000 | 22,324,000 | 20,433,000 |
| Noninterest-bearing deposits | 4,779,000 | 3,526,000 | 3,736,000 | 3,770,000 |
| Equity capital | 2,181,000 | 2,080,000 | 1,933,000 | 1,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 352,000 | 694,000 | 1,034,000 | 1,345,000 |
| Interest expense | 22,000 | 44,000 | 64,000 | 83,000 |
| Net interest income | 330,000 | 650,000 | 970,000 | 1,262,000 |
| Noninterest income | 25,000 | 70,000 | 123,000 | 178,000 |
| Noninterest expense | 548,000 | 1,182,000 | 1,702,000 | 2,285,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | -193,000 | -462,000 | -609,000 | -870,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -193,000 | -462,000 | -609,000 | -870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,184,000 | 2,073,000 | 1,935,000 | 1,675,000 |
| Total capital | 2,394,000 | 2,299,000 | 2,157,000 | 1,895,000 |
| Risk-weighted assets | 16,292,000 | 17,640,000 | 17,274,000 | 17,200,000 |
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