Call reports 2002
DESERT HILLS BANK — 2002
What DESERT HILLS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 58,664,000 | 77,254,000 | 71,183,000 | 78,178,000 |
| Total loans | 46,953,000 | 52,136,000 | 59,962,000 | 67,790,000 |
| Allowance for loan losses | 425,000 | 500,000 | 560,000 | 750,000 |
| Securities available for sale | 5,847,000 | 7,578,000 | 6,735,000 | 5,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,247,000 | 71,500,000 | 65,068,000 | 70,659,000 |
| Interest-bearing deposits | 47,318,000 | 60,365,000 | 57,670,000 | 64,445,000 |
| Noninterest-bearing deposits | 5,929,000 | 11,135,000 | 7,398,000 | 6,214,000 |
| Equity capital | 5,361,000 | 5,659,000 | 5,877,000 | 7,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,002,000 | 2,129,000 | 3,410,000 | 4,795,000 |
| Interest expense | 361,000 | 822,000 | 1,293,000 | 1,724,000 |
| Net interest income | 641,000 | 1,307,000 | 2,117,000 | 3,071,000 |
| Noninterest income | 35,000 | 73,000 | 122,000 | 176,000 |
| Noninterest expense | 521,000 | 1,087,000 | 1,630,000 | 2,282,000 |
| Provision for loan losses | 75,000 | 150,000 | 210,000 | 400,000 |
| Pretax income | 80,000 | 143,000 | 399,000 | 565,000 |
| Income tax | 0 | 39,000 | 136,000 | 21,000 |
| Net income | 80,000 | 104,000 | 263,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,412,000 | 5,539,000 | 5,698,000 | 6,948,000 |
| Total capital | 5,837,000 | 6,039,000 | 6,258,000 | 7,698,000 |
| Risk-weighted assets | 47,156,000 | 56,004,000 | 60,947,000 | 67,952,000 |