Call reports 2003
HIGH DESERT STATE BANK — 2003
What HIGH DESERT STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 32,542,000 | 34,608,000 | 33,887,000 | 33,233,000 |
| Total loans | 20,068,000 | 20,317,000 | 24,114,000 | 21,457,000 |
| Allowance for loan losses | 308,000 | 308,000 | 308,000 | 262,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,807,000 | 30,813,000 | 29,368,000 | 29,493,000 |
| Interest-bearing deposits | 28,034,000 | 29,734,000 | 27,963,000 | 28,429,000 |
| Noninterest-bearing deposits | 773,000 | 1,079,000 | 1,405,000 | 1,064,000 |
| Equity capital | 3,650,000 | 3,696,000 | 3,535,000 | 3,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 431,000 | 886,000 | 1,373,000 | 1,831,000 |
| Interest expense | 166,000 | 336,000 | 483,000 | 626,000 |
| Net interest income | 265,000 | 550,000 | 890,000 | 1,205,000 |
| Noninterest income | 13,000 | 83,000 | -74,000 | -19,000 |
| Noninterest expense | 364,000 | 673,000 | 1,018,000 | 1,253,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -86,000 | -40,000 | -202,000 | -67,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -86,000 | -40,000 | -202,000 | -67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,650,000 | 3,696,000 | 3,535,000 | 3,669,000 |
| Total capital | 3,977,000 | 4,022,000 | 3,866,000 | 3,955,000 |
| Risk-weighted assets | 26,169,000 | 26,428,000 | 28,260,000 | 25,898,000 |