Call reports 2015
HIGH DESERT BANK — 2015
What HIGH DESERT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 26,100,000 | 26,430,000 | 28,291,000 | 28,047,000 |
| Total loans | 20,019,000 | 19,834,000 | 19,311,000 | 17,957,000 |
| Allowance for loan losses | 599,000 | 384,000 | 442,000 | 639,000 |
| Securities available for sale | 1,235,000 | 1,148,000 | 1,098,000 | 1,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,372,000 | 24,218,000 | 25,577,000 | 25,703,000 |
| Interest-bearing deposits | 20,018,000 | 19,922,000 | 21,099,000 | 21,210,000 |
| Noninterest-bearing deposits | 4,354,000 | 4,296,000 | 4,478,000 | 4,493,000 |
| Equity capital | 1,611,000 | 2,141,000 | 2,612,000 | 2,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 291,000 | 581,000 | 886,000 | 1,160,000 |
| Interest expense | 19,000 | 37,000 | 58,000 | 81,000 |
| Net interest income | 272,000 | 544,000 | 828,000 | 1,079,000 |
| Noninterest income | 258,000 | 374,000 | 480,000 | 630,000 |
| Noninterest expense | 603,000 | 1,208,000 | 1,792,000 | 2,526,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -73,000 | -290,000 | -484,000 | -817,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -73,000 | -290,000 | -484,000 | -817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,602,000 | 2,143,000 | 2,609,000 | 2,272,000 |
| Total capital | 1,819,000 | 2,342,000 | 2,796,000 | 2,431,000 |
| Risk-weighted assets | 17,003,000 | 15,746,000 | 14,684,000 | 12,221,000 |