Call reports 2002
HIGH DESERT STATE BANK — 2002
What HIGH DESERT STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 40,971,000 | 39,118,000 | 38,965,000 | 32,134,000 |
| Total loans | 29,634,000 | 27,791,000 | 24,450,000 | 18,870,000 |
| Allowance for loan losses | 750,000 | 544,000 | 499,000 | 308,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,934,000 | 35,120,000 | 35,021,000 | 27,190,000 |
| Interest-bearing deposits | 35,962,000 | 34,132,000 | 34,135,000 | 26,136,000 |
| Noninterest-bearing deposits | 972,000 | 988,000 | 886,000 | 1,054,000 |
| Equity capital | 3,956,000 | 3,889,000 | 3,850,000 | 3,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,375,000 | 1,918,000 | 2,398,000 |
| Interest expense | 388,000 | 696,000 | 967,000 | 1,173,000 |
| Net interest income | 393,000 | 679,000 | 951,000 | 1,225,000 |
| Noninterest income | 3,000 | 7,000 | -5,000 | 9,000 |
| Noninterest expense | 291,000 | 655,000 | 934,000 | 1,336,000 |
| Provision for loan losses | 0 | -9,000 | 11,000 | 11,000 |
| Pretax income | 105,000 | 40,000 | 1,000 | -113,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 40,000 | 1,000 | -113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,956,000 | 3,889,000 | 3,850,000 | 3,737,000 |
| Total capital | 4,371,000 | 4,292,000 | 4,176,000 | 4,044,000 |
| Risk-weighted assets | 32,833,000 | 32,054,000 | 25,877,000 | 24,546,000 |