Call reports 2009
HIGH DESERT STATE BANK — 2009
What HIGH DESERT STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 91,276,000 | 93,946,000 | 86,729,000 | 82,455,000 |
| Total loans | 69,223,000 | 68,115,000 | 66,027,000 | 63,094,000 |
| Allowance for loan losses | 2,350,000 | 2,215,000 | 3,810,000 | 3,458,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,639,000 | 85,798,000 | 82,029,000 | 79,445,000 |
| Interest-bearing deposits | 79,936,000 | 83,137,000 | 78,968,000 | 75,274,000 |
| Noninterest-bearing deposits | 2,703,000 | 2,661,000 | 3,061,000 | 4,171,000 |
| Equity capital | 8,442,000 | 7,938,000 | 4,500,000 | 2,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 954,000 | 1,949,000 | 2,859,000 | 3,544,000 |
| Interest expense | 711,000 | 1,374,000 | 2,036,000 | 2,552,000 |
| Net interest income | 243,000 | 575,000 | 823,000 | 992,000 |
| Noninterest income | -39,000 | -20,000 | -444,000 | -917,000 |
| Noninterest expense | 857,000 | 1,714,000 | 3,075,000 | 4,359,000 |
| Provision for loan losses | 1,250,000 | 1,250,000 | 3,150,000 | 3,150,000 |
| Pretax income | -1,903,000 | -2,409,000 | -5,846,000 | -7,434,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,903,000 | -2,409,000 | -5,846,000 | -7,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,442,000 | 7,938,000 | 4,500,000 | 2,911,000 |
| Total capital | 9,431,000 | 8,930,000 | 5,438,000 | 3,805,000 |
| Risk-weighted assets | 77,758,000 | 78,100,000 | 72,191,000 | 68,941,000 |