Call reports 2007
HIGH DESERT STATE BANK — 2007
What HIGH DESERT STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 101,371,000 | 101,030,000 | 95,847,000 | 97,552,000 |
| Total loans | 78,887,000 | 84,833,000 | 80,581,000 | 77,847,000 |
| Allowance for loan losses | 900,000 | 940,000 | 970,000 | 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 | 92,483,000 | 92,013,000 | 86,743,000 | 87,243,000 |
| Interest-bearing deposits | 88,116,000 | 87,284,000 | 82,277,000 | 83,297,000 |
| Noninterest-bearing deposits | 4,367,000 | 4,729,000 | 4,466,000 | 3,946,000 |
| Equity capital | 8,624,000 | 8,764,000 | 8,831,000 | 10,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,216,000 | 4,546,000 | 6,754,000 | 8,706,000 |
| Interest expense | 1,065,000 | 2,155,000 | 3,220,000 | 4,238,000 |
| Net interest income | 1,151,000 | 2,391,000 | 3,534,000 | 4,468,000 |
| Noninterest income | 18,000 | 39,000 | 70,000 | 87,000 |
| Noninterest expense | 591,000 | 1,192,000 | 1,809,000 | 2,475,000 |
| Provision for loan losses | 0 | 40,000 | 70,000 | 622,000 |
| Pretax income | 578,000 | 1,198,000 | 1,725,000 | 1,458,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 578,000 | 1,198,000 | 1,725,000 | 1,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,624,000 | 8,764,000 | 8,831,000 | 10,064,000 |
| Total capital | 9,548,000 | 9,728,000 | 9,825,000 | 10,988,000 |
| Risk-weighted assets | 83,417,000 | 84,550,000 | 87,892,000 | 86,699,000 |