Call reports 2002
DESERT COMMUNITY BANK — 2002
What DESERT COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 60,389,000 | 58,796,000 | 56,483,000 | 55,167,000 |
| Total loans | 50,550,000 | 45,137,000 | 42,818,000 | 43,351,000 |
| Allowance for loan losses | 806,000 | 678,000 | 694,000 | 675,000 |
| Securities available for sale | 5,391,000 | 8,117,000 | 8,057,000 | 5,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,258,000 | 53,655,000 | 51,319,000 | 49,935,000 |
| Interest-bearing deposits | 48,418,000 | 47,119,000 | 44,323,000 | 39,778,000 |
| Noninterest-bearing deposits | 6,840,000 | 6,536,000 | 6,996,000 | 10,157,000 |
| Equity capital | 5,015,000 | 5,054,000 | 5,060,000 | 5,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,083,000 | 2,113,000 | 3,147,000 | 4,049,000 |
| Interest expense | 470,000 | 860,000 | 1,208,000 | 1,510,000 |
| Net interest income | 613,000 | 1,253,000 | 1,939,000 | 2,539,000 |
| Noninterest income | 68,000 | 87,000 | 112,000 | 137,000 |
| Noninterest expense | 522,000 | 1,027,000 | 1,504,000 | 2,002,000 |
| Provision for loan losses | 0 | 112,000 | 350,000 | 351,000 |
| Pretax income | 159,000 | 201,000 | 198,000 | 321,000 |
| Income tax | 55,000 | 70,000 | 69,000 | 112,000 |
| Net income | 104,000 | 131,000 | 129,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,026,000 | 5,052,000 | 5,050,000 | 5,130,000 |
| Total capital | 5,731,000 | 5,693,000 | 5,636,000 | 5,705,000 |
| Risk-weighted assets | 56,291,000 | 51,272,000 | 46,805,000 | 45,879,000 |