Call reports 2005
DESERT HILLS BANK — 2005
What DESERT HILLS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 194,756,000 | 233,990,000 | 273,988,000 | 326,803,000 |
| Total loans | 162,535,000 | 202,578,000 | 241,515,000 | 284,017,000 |
| Allowance for loan losses | 1,501,000 | 1,729,000 | 2,156,000 | 2,543,000 |
| Securities available for sale | 18,303,000 | 18,084,000 | 17,475,000 | 16,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,215,000 | 177,941,000 | 213,947,000 | 258,032,000 |
| Interest-bearing deposits | 131,250,000 | 144,478,000 | 177,025,000 | 216,169,000 |
| Noninterest-bearing deposits | 32,965,000 | 33,463,000 | 36,922,000 | 41,863,000 |
| Equity capital | 19,464,000 | 24,030,000 | 24,574,000 | 30,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,227,000 | 7,306,000 | 12,494,000 | 18,343,000 |
| Interest expense | 773,000 | 1,884,000 | 3,470,000 | 5,537,000 |
| Net interest income | 2,454,000 | 5,422,000 | 9,024,000 | 12,806,000 |
| Noninterest income | 453,000 | 869,000 | 1,398,000 | 1,824,000 |
| Noninterest expense | 2,100,000 | 4,467,000 | 7,184,000 | 9,947,000 |
| Provision for loan losses | 222,000 | 496,000 | 991,000 | 1,376,000 |
| Pretax income | 585,000 | 1,328,000 | 2,247,000 | 3,307,000 |
| Income tax | 219,000 | 502,000 | 853,000 | 1,256,000 |
| Net income | 366,000 | 826,000 | 1,394,000 | 2,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,389,000 | 22,855,000 | 23,425,000 | 29,105,000 |
| Total capital | 20,069,000 | 24,792,000 | 25,683,000 | 31,763,000 |
| Risk-weighted assets | 170,780,000 | 203,824,000 | 251,896,000 | 290,087,000 |