Call reports 2009
DESERT HILLS BANK — 2009
What DESERT HILLS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 506,429,000 | 500,967,000 | 523,034,000 | 496,552,000 |
| Total loans | 421,935,000 | 399,057,000 | 361,059,000 | 343,010,000 |
| Allowance for loan losses | 14,071,000 | 12,184,000 | 11,940,000 | 9,193,000 |
| Securities available for sale | 2,124,000 | 2,117,000 | 2,124,000 | 6,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,401,000 | 421,583,000 | 450,116,000 | 426,473,000 |
| Interest-bearing deposits | 404,051,000 | 399,232,000 | 425,215,000 | 404,956,000 |
| Noninterest-bearing deposits | 25,350,000 | 22,351,000 | 24,901,000 | 21,517,000 |
| Equity capital | 24,245,000 | 26,284,000 | 23,441,000 | 22,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,235,000 | 11,664,000 | 17,212,000 | 22,183,000 |
| Interest expense | 3,620,000 | 6,909,000 | 9,867,000 | 12,294,000 |
| Net interest income | 2,615,000 | 4,755,000 | 7,345,000 | 9,889,000 |
| Noninterest income | 938,000 | 741,000 | 4,062,000 | 4,034,000 |
| Noninterest expense | 3,869,000 | 8,621,000 | 12,851,000 | 17,366,000 |
| Provision for loan losses | 1,000,000 | 2,000,000 | 6,585,000 | 6,585,000 |
| Pretax income | -1,210,000 | -5,018,000 | -7,922,000 | -9,921,000 |
| Income tax | 0 | 0 | 0 | -1,125,000 |
| Net income | -1,210,000 | -5,018,000 | -7,922,000 | -8,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,216,000 | 26,261,000 | 23,408,000 | 22,678,000 |
| Total capital | 29,601,000 | 31,508,000 | 28,411,000 | 27,620,000 |
| Risk-weighted assets | 422,037,000 | 412,742,000 | 393,299,000 | 391,056,000 |