Call reports 2006
DESERT HILLS BANK — 2006
What DESERT HILLS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 343,517,000 | 394,771,000 | 395,552,000 | 419,524,000 |
| Total loans | 299,470,000 | 335,580,000 | 352,995,000 | 380,141,000 |
| Allowance for loan losses | 2,838,000 | 3,451,000 | 3,686,000 | 3,881,000 |
| Securities available for sale | 25,979,000 | 24,360,000 | 21,231,000 | 21,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,359,000 | 311,482,000 | 316,993,000 | 330,248,000 |
| Interest-bearing deposits | 237,919,000 | 270,184,000 | 277,069,000 | 290,837,000 |
| Noninterest-bearing deposits | 39,440,000 | 41,298,000 | 39,924,000 | 39,411,000 |
| Equity capital | 31,011,000 | 34,641,000 | 35,537,000 | 37,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,402,000 | 13,633,000 | 21,685,000 | 29,377,000 |
| Interest expense | 2,489,000 | 5,526,000 | 9,246,000 | 13,122,000 |
| Net interest income | 3,913,000 | 8,107,000 | 12,439,000 | 16,255,000 |
| Noninterest income | 550,000 | 986,000 | 1,367,000 | 1,980,000 |
| Noninterest expense | 2,717,000 | 5,846,000 | 9,206,000 | 12,679,000 |
| Provision for loan losses | 290,000 | 898,000 | 1,131,000 | 1,321,000 |
| Pretax income | 1,456,000 | 2,349,000 | 3,483,000 | 4,249,000 |
| Income tax | 533,000 | 662,000 | 1,092,000 | 1,455,000 |
| Net income | 923,000 | 1,687,000 | 2,391,000 | 2,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,036,000 | 33,801,000 | 34,505,000 | 36,491,000 |
| Total capital | 32,990,000 | 37,401,000 | 38,313,000 | 40,488,000 |
| Risk-weighted assets | 319,012,000 | 360,154,000 | 366,296,000 | 388,000,000 |