Call reports 2003
DESERT HILLS BANK — 2003
What DESERT HILLS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 88,781,000 | 97,630,000 | 102,968,000 | 106,595,000 |
| Total loans | 70,794,000 | 79,487,000 | 86,675,000 | 90,339,000 |
| Allowance for loan losses | 816,000 | 910,000 | 926,000 | 973,000 |
| Securities available for sale | 5,775,000 | 6,374,000 | 6,262,000 | 5,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,198,000 | 87,097,000 | 91,668,000 | 93,224,000 |
| Interest-bearing deposits | 74,800,000 | 77,810,000 | 77,141,000 | 77,749,000 |
| Noninterest-bearing deposits | 6,398,000 | 9,287,000 | 14,527,000 | 15,475,000 |
| Equity capital | 7,369,000 | 10,350,000 | 11,089,000 | 12,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,426,000 | 3,127,000 | 4,798,000 | 6,554,000 |
| Interest expense | 465,000 | 954,000 | 1,397,000 | 1,814,000 |
| Net interest income | 961,000 | 2,173,000 | 3,401,000 | 4,740,000 |
| Noninterest income | 35,000 | 100,000 | 172,000 | 269,000 |
| Noninterest expense | 706,000 | 1,521,000 | 2,377,000 | 3,397,000 |
| Provision for loan losses | 66,000 | 196,000 | 431,000 | 469,000 |
| Pretax income | 224,000 | 556,000 | 765,000 | 1,143,000 |
| Income tax | 85,000 | 212,000 | 309,000 | 434,000 |
| Net income | 139,000 | 344,000 | 456,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,217,000 | 10,135,000 | 10,941,000 | 12,830,000 |
| Total capital | 8,033,000 | 11,065,000 | 11,897,000 | 13,840,000 |
| Risk-weighted assets | 73,105,000 | 81,638,000 | 88,888,000 | 91,895,000 |