Call reports 2006
HIGH DESERT STATE BANK — 2006
What HIGH DESERT STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 79,403,000 | 83,211,000 | 95,525,000 | 100,773,000 |
| Total loans | 67,301,000 | 70,825,000 | 81,360,000 | 81,346,000 |
| Allowance for loan losses | 745,000 | 800,000 | 850,000 | 900,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,346,000 | 74,991,000 | 86,955,000 | 92,003,000 |
| Interest-bearing deposits | 66,209,000 | 69,866,000 | 81,529,000 | 87,403,000 |
| Noninterest-bearing deposits | 5,137,000 | 5,125,000 | 5,426,000 | 4,600,000 |
| Equity capital | 7,914,000 | 8,045,000 | 8,330,000 | 8,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,659,000 | 3,541,000 | 5,631,000 | 7,867,000 |
| Interest expense | 619,000 | 1,338,000 | 2,175,000 | 3,241,000 |
| Net interest income | 1,040,000 | 2,203,000 | 3,456,000 | 4,626,000 |
| Noninterest income | 17,000 | 32,000 | 49,000 | 68,000 |
| Noninterest expense | 506,000 | 998,000 | 1,493,000 | 2,036,000 |
| Provision for loan losses | 135,000 | 190,000 | 240,000 | 290,000 |
| Pretax income | 416,000 | 1,047,000 | 1,772,000 | 2,368,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 416,000 | 1,047,000 | 1,772,000 | 2,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,914,000 | 8,045,000 | 8,330,000 | 8,526,000 |
| Total capital | 8,683,000 | 8,869,000 | 9,203,000 | 9,450,000 |
| Risk-weighted assets | 67,624,000 | 72,309,000 | 83,650,000 | 85,110,000 |