Call reports 2001
HIGH DESERT STATE BANK — 2001
What HIGH DESERT STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 47,231,000 | 48,023,000 | 47,107,000 | 45,180,000 |
| Total loans | 37,858,000 | 37,441,000 | 37,201,000 | 36,828,000 |
| Allowance for loan losses | 340,000 | 430,000 | 460,000 | 750,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,989,000 | 2,005,000 | 2,002,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,223,000 | 43,951,000 | 42,939,000 | 41,239,000 |
| Interest-bearing deposits | 42,979,000 | 42,641,000 | 42,428,000 | 40,284,000 |
| Noninterest-bearing deposits | 244,000 | 1,310,000 | 511,000 | 955,000 |
| Equity capital | 3,860,000 | 3,931,000 | 4,017,000 | 3,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,202,000 | 2,345,000 | 3,493,000 | 4,260,000 |
| Interest expense | 715,000 | 1,419,000 | 2,070,000 | 2,596,000 |
| Net interest income | 487,000 | 926,000 | 1,423,000 | 1,664,000 |
| Noninterest income | 4,000 | 6,000 | 7,000 | 12,000 |
| Noninterest expense | 230,000 | 490,000 | 752,000 | 1,026,000 |
| Provision for loan losses | 90,000 | 180,000 | 210,000 | 500,000 |
| Pretax income | 171,000 | 262,000 | 468,000 | 150,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 171,000 | 262,000 | 468,000 | 150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,860,000 | 3,931,000 | 4,017,000 | 3,850,000 |
| Total capital | 4,200,000 | 4,361,000 | 4,477,000 | 4,339,000 |
| Risk-weighted assets | 39,913,000 | 40,172,000 | 38,767,000 | 38,813,000 |