Call reports 2008
HIGH DESERT STATE BANK — 2008
What HIGH DESERT STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 96,192,000 | 89,990,000 | 93,154,000 | 98,286,000 |
| Total loans | 76,940,000 | 75,335,000 | 77,752,000 | 67,686,000 |
| Allowance for loan losses | 1,065,000 | 1,053,000 | 1,053,000 | 1,100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,006,000 | 79,824,000 | 82,950,000 | 87,764,000 |
| Interest-bearing deposits | 81,516,000 | 76,328,000 | 79,674,000 | 84,644,000 |
| Noninterest-bearing deposits | 4,490,000 | 3,496,000 | 3,276,000 | 3,120,000 |
| Equity capital | 9,972,000 | 9,951,000 | 9,951,000 | 10,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,732,000 | 3,260,000 | 4,748,000 | 5,885,000 |
| Interest expense | 1,002,000 | 1,864,000 | 2,673,000 | 3,387,000 |
| Net interest income | 730,000 | 1,396,000 | 2,075,000 | 2,498,000 |
| Noninterest income | 19,000 | 43,000 | 80,000 | 80,000 |
| Noninterest expense | 661,000 | 1,371,000 | 2,087,000 | 2,898,000 |
| Provision for loan losses | 180,000 | 180,000 | 180,000 | 310,000 |
| Pretax income | -92,000 | -112,000 | -112,000 | -630,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -92,000 | -112,000 | -112,000 | -630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,972,000 | 9,951,000 | 9,951,000 | 10,346,000 |
| Total capital | 11,060,000 | 11,028,000 | 11,002,000 | 11,294,000 |
| Risk-weighted assets | 87,221,000 | 87,083,000 | 83,312,000 | 75,688,000 |