Call reports 2004
HIGH DESERT STATE BANK — 2004
What HIGH DESERT STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 32,420,000 | 31,355,000 | 35,954,000 | 39,133,000 |
| Total loans | 20,983,000 | 23,677,000 | 25,733,000 | 27,679,000 |
| Allowance for loan losses | 268,000 | 281,000 | 296,000 | 301,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,818,000 | 27,646,000 | 32,269,000 | 35,295,000 |
| Interest-bearing deposits | 27,000,000 | 26,082,000 | 30,356,000 | 32,326,000 |
| Noninterest-bearing deposits | 1,818,000 | 1,564,000 | 1,913,000 | 2,969,000 |
| Equity capital | 3,538,000 | 3,572,000 | 3,592,000 | 3,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 875,000 | 1,387,000 | 2,087,000 |
| Interest expense | 124,000 | 241,000 | 369,000 | 526,000 |
| Net interest income | 287,000 | 634,000 | 1,018,000 | 1,561,000 |
| Noninterest income | 15,000 | 38,000 | 49,000 | 59,000 |
| Noninterest expense | 378,000 | 699,000 | 1,059,000 | 1,416,000 |
| Provision for loan losses | 55,000 | 70,000 | 85,000 | 100,000 |
| Pretax income | -131,000 | -97,000 | -77,000 | 104,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -131,000 | -97,000 | -77,000 | 104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,538,000 | 3,572,000 | 3,592,000 | 3,774,000 |
| Total capital | 3,830,000 | 3,876,000 | 3,911,000 | 4,098,000 |
| Risk-weighted assets | 25,721,000 | 26,765,000 | 29,545,000 | 31,282,000 |