Call reports 2004
DESERT HILLS BANK — 2004
What DESERT HILLS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 113,524,000 | 116,903,000 | 138,603,000 | 166,252,000 |
| Total loans | 94,584,000 | 100,629,000 | 112,525,000 | 130,112,000 |
| Allowance for loan losses | 997,000 | 1,011,000 | 1,039,000 | 1,196,000 |
| Securities available for sale | 5,315,000 | 5,635,000 | 17,632,000 | 18,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,015,000 | 103,131,000 | 112,295,000 | 134,388,000 |
| Interest-bearing deposits | 84,586,000 | 84,510,000 | 89,057,000 | 109,278,000 |
| Noninterest-bearing deposits | 15,430,000 | 18,622,000 | 23,238,000 | 25,110,000 |
| Equity capital | 13,199,000 | 13,682,000 | 14,028,000 | 19,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,777,000 | 3,705,000 | 6,126,000 | 8,669,000 |
| Interest expense | 406,000 | 837,000 | 1,304,000 | 1,887,000 |
| Net interest income | 1,371,000 | 2,868,000 | 4,822,000 | 6,782,000 |
| Noninterest income | 65,000 | 388,000 | 903,000 | 1,393,000 |
| Noninterest expense | 1,137,000 | 2,791,000 | 4,632,000 | 6,463,000 |
| Provision for loan losses | 25,000 | 60,000 | 170,000 | 349,000 |
| Pretax income | 274,000 | 405,000 | 923,000 | 1,363,000 |
| Income tax | 104,000 | 146,000 | 366,000 | 552,000 |
| Net income | 170,000 | 259,000 | 557,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,017,000 | 12,496,000 | 12,779,000 | 18,024,000 |
| Total capital | 14,051,000 | 13,565,000 | 13,958,000 | 19,382,000 |
| Risk-weighted assets | 93,165,000 | 98,545,000 | 111,527,000 | 139,209,000 |