Call reports 2007
DESERT HILLS BANK — 2007
What DESERT HILLS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 450,485,000 | 486,959,000 | 486,157,000 | 496,773,000 |
| Total loans | 410,842,000 | 428,471,000 | 436,758,000 | 440,587,000 |
| Allowance for loan losses | 4,007,000 | 4,166,000 | 4,224,000 | 3,750,000 |
| Securities available for sale | 18,932,000 | 18,498,000 | 29,074,000 | 24,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,754,000 | 401,096,000 | 377,271,000 | 381,873,000 |
| Interest-bearing deposits | 326,253,000 | 366,156,000 | 344,597,000 | 345,455,000 |
| Noninterest-bearing deposits | 36,501,000 | 34,940,000 | 32,674,000 | 36,418,000 |
| Equity capital | 40,936,000 | 41,612,000 | 42,339,000 | 43,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,180,000 | 18,740,000 | 28,303,000 | 37,325,000 |
| Interest expense | 4,278,000 | 8,920,000 | 13,890,000 | 18,879,000 |
| Net interest income | 4,902,000 | 9,820,000 | 14,413,000 | 18,446,000 |
| Noninterest income | 904,000 | 1,646,000 | 2,181,000 | 2,671,000 |
| Noninterest expense | 4,138,000 | 8,203,000 | 12,332,000 | 16,203,000 |
| Provision for loan losses | 140,000 | 460,000 | 775,000 | 2,243,000 |
| Pretax income | 1,532,000 | 2,807,000 | 3,493,000 | 2,728,000 |
| Income tax | 568,000 | 1,086,000 | 1,246,000 | 1,129,000 |
| Net income | 964,000 | 1,721,000 | 2,247,000 | 1,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,456,000 | 40,214,000 | 40,749,000 | 41,907,000 |
| Total capital | 43,594,000 | 44,511,000 | 45,090,000 | 45,764,000 |
| Risk-weighted assets | 412,325,000 | 423,983,000 | 427,552,000 | 432,809,000 |