Call reports 2001
DESERT COMMUNITY BANK — 2001
What DESERT COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 42,172,000 | 49,910,000 | 54,916,000 | 56,844,000 |
| Total loans | 35,159,000 | 42,912,000 | 47,760,000 | 50,361,000 |
| Allowance for loan losses | 527,000 | 644,000 | 716,000 | 806,000 |
| Securities available for sale | 0 | 0 | 3,500,000 | 897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,812,000 | 45,274,000 | 50,144,000 | 52,003,000 |
| Interest-bearing deposits | 30,805,000 | 39,735,000 | 43,997,000 | 45,134,000 |
| Noninterest-bearing deposits | 7,007,000 | 5,539,000 | 6,148,000 | 6,869,000 |
| Equity capital | 4,249,000 | 4,505,000 | 4,587,000 | 4,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 991,000 | 2,059,000 | 3,210,000 | 4,261,000 |
| Interest expense | 403,000 | 860,000 | 1,383,000 | 1,854,000 |
| Net interest income | 588,000 | 1,199,000 | 1,827,000 | 2,407,000 |
| Noninterest income | 13,000 | 28,000 | 51,000 | 81,000 |
| Noninterest expense | 450,000 | 960,000 | 1,448,000 | 1,961,000 |
| Provision for loan losses | 86,000 | 203,000 | 275,000 | 463,000 |
| Pretax income | 65,000 | 64,000 | 155,000 | 64,000 |
| Income tax | 0 | -257,000 | -223,000 | 29,000 |
| Net income | 65,000 | 321,000 | 378,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,249,000 | 4,505,000 | 4,587,000 | 4,721,000 |
| Total capital | 4,736,000 | 5,089,000 | 5,226,000 | 5,395,000 |
| Risk-weighted assets | 38,881,000 | 46,673,000 | 51,055,000 | 53,784,000 |