Call reports 2005
HIGH DESERT STATE BANK — 2005
What HIGH DESERT STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 41,708,000 | 46,091,000 | 59,680,000 | 73,373,000 |
| Total loans | 32,085,000 | 36,672,000 | 53,892,000 | 60,116,000 |
| Allowance for loan losses | 297,000 | 354,000 | 434,000 | 610,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,766,000 | 41,983,000 | 54,644,000 | 66,732,000 |
| Interest-bearing deposits | 35,553,000 | 37,989,000 | 51,286,000 | 61,345,000 |
| Noninterest-bearing deposits | 2,213,000 | 3,994,000 | 3,358,000 | 5,387,000 |
| Equity capital | 3,866,000 | 4,008,000 | 4,285,000 | 6,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 659,000 | 1,565,000 | 2,619,000 | 4,009,000 |
| Interest expense | 180,000 | 413,000 | 742,000 | 1,241,000 |
| Net interest income | 479,000 | 1,152,000 | 1,877,000 | 2,768,000 |
| Noninterest income | 17,000 | 18,000 | 30,000 | 45,000 |
| Noninterest expense | 398,000 | 875,000 | 1,255,000 | 1,772,000 |
| Provision for loan losses | 5,000 | 60,000 | 140,000 | 316,000 |
| Pretax income | 93,000 | 235,000 | 512,000 | 725,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 93,000 | 235,000 | 512,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,866,000 | 4,008,000 | 4,285,000 | 6,498,000 |
| Total capital | 4,186,000 | 4,386,000 | 4,742,000 | 7,132,000 |
| Risk-weighted assets | 35,258,000 | 40,031,000 | 55,210,000 | 61,960,000 |