Call reports 2004
DESERT COMMUNITY BANK — 2004
What DESERT COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,121,000 | 59,841,000 | 64,870,000 | 63,275,000 |
| Total loans | 41,395,000 | 51,635,000 | 56,306,000 | 59,466,000 |
| Allowance for loan losses | 499,000 | 605,000 | 700,000 | 722,000 |
| Securities available for sale | 5,397,000 | 1,392,000 | 86,000 | 87,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,357,000 | 52,043,000 | 56,855,000 | 55,069,000 |
| Interest-bearing deposits | 41,102,000 | 40,606,000 | 46,272,000 | 44,505,000 |
| Noninterest-bearing deposits | 9,255,000 | 11,437,000 | 10,583,000 | 10,564,000 |
| Equity capital | 7,601,000 | 7,725,000 | 7,890,000 | 8,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 920,000 | 1,878,000 | 2,920,000 | 3,966,000 |
| Interest expense | 202,000 | 361,000 | 514,000 | 740,000 |
| Net interest income | 718,000 | 1,517,000 | 2,406,000 | 3,226,000 |
| Noninterest income | 22,000 | 54,000 | 126,000 | 253,000 |
| Noninterest expense | 555,000 | 1,165,000 | 1,782,000 | 2,379,000 |
| Provision for loan losses | -54,000 | 5,000 | 96,000 | 132,000 |
| Pretax income | 239,000 | 401,000 | 652,000 | 966,000 |
| Income tax | 82,000 | 138,000 | 225,000 | 332,000 |
| Net income | 157,000 | 263,000 | 427,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,377,000 | 6,513,000 | 6,676,000 | 6,883,000 |
| Total capital | 6,876,000 | 7,118,000 | 7,376,000 | 7,605,000 |
| Risk-weighted assets | 44,946,000 | 52,322,000 | 57,567,000 | 59,351,000 |