Call reports 2008
DESERT HILLS BANK — 2008
What DESERT HILLS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 502,374,000 | 516,764,000 | 509,944,000 | 511,487,000 |
| Total loans | 453,276,000 | 463,200,000 | 444,046,000 | 432,946,000 |
| Allowance for loan losses | 4,039,000 | 4,410,000 | 5,455,000 | 18,615,000 |
| Securities available for sale | 18,632,000 | 18,062,000 | 17,868,000 | 15,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,803,000 | 373,576,000 | 388,227,000 | 416,436,000 |
| Interest-bearing deposits | 337,250,000 | 342,183,000 | 357,279,000 | 390,676,000 |
| Noninterest-bearing deposits | 35,553,000 | 31,393,000 | 30,948,000 | 25,760,000 |
| Equity capital | 44,934,000 | 46,201,000 | 45,562,000 | 23,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,587,000 | 16,582,000 | 23,994,000 | 30,326,000 |
| Interest expense | 4,529,000 | 8,584,000 | 12,542,000 | 16,606,000 |
| Net interest income | 4,058,000 | 7,998,000 | 11,452,000 | 13,720,000 |
| Noninterest income | 632,000 | 1,177,000 | 1,298,000 | -2,158,000 |
| Noninterest expense | 3,959,000 | 8,178,000 | 12,203,000 | 17,936,000 |
| Provision for loan losses | 210,000 | 1,207,000 | 2,636,000 | 18,759,000 |
| Pretax income | 805,000 | 74,000 | -1,801,000 | -24,842,000 |
| Income tax | 323,000 | 2,000 | -773,000 | -479,000 |
| Net income | 482,000 | 72,000 | -1,028,000 | -24,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,345,000 | 44,934,000 | 44,227,000 | 23,727,000 |
| Total capital | 47,485,000 | 49,440,000 | 49,767,000 | 29,306,000 |
| Risk-weighted assets | 446,433,000 | 464,259,000 | 450,499,000 | 432,457,000 |