Call reports 2003
DESERT COMMUNITY BANK — 2003
What DESERT COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,811,000 | 57,718,000 | 54,234,000 | 61,537,000 |
| Total loans | 43,724,000 | 43,840,000 | 40,927,000 | 42,709,000 |
| Allowance for loan losses | 661,000 | 691,000 | 694,000 | 626,000 |
| Securities available for sale | 4,873,000 | 6,538,000 | 5,481,000 | 5,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,463,000 | 51,977,000 | 46,989,000 | 53,998,000 |
| Interest-bearing deposits | 46,390,000 | 43,621,000 | 39,885,000 | 42,629,000 |
| Noninterest-bearing deposits | 8,073,000 | 8,356,000 | 7,104,000 | 11,369,000 |
| Equity capital | 5,254,000 | 5,645,000 | 7,133,000 | 7,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 905,000 | 1,764,000 | 2,681,000 | 3,531,000 |
| Interest expense | 259,000 | 512,000 | 733,000 | 950,000 |
| Net interest income | 646,000 | 1,252,000 | 1,948,000 | 2,581,000 |
| Noninterest income | 58,000 | 163,000 | 199,000 | 228,000 |
| Noninterest expense | 520,000 | 1,058,000 | 1,621,000 | 2,184,000 |
| Provision for loan losses | 1,000 | 31,000 | 31,000 | 31,000 |
| Pretax income | 184,000 | 327,000 | 496,000 | 595,000 |
| Income tax | 63,000 | 113,000 | 171,000 | 206,000 |
| Net income | 121,000 | 214,000 | 325,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,251,000 | 5,644,000 | 6,163,000 | 6,216,000 |
| Total capital | 5,838,000 | 6,222,000 | 6,712,000 | 6,804,000 |
| Risk-weighted assets | 46,847,000 | 46,121,000 | 43,808,000 | 46,979,000 |