Call reports 2005
DESERT COMMUNITY BANK — 2005
What DESERT COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 70,930,000 | 77,044,000 | 81,142,000 | 78,907,000 |
| Total loans | 64,921,000 | 70,571,000 | 70,713,000 | 71,381,000 |
| Allowance for loan losses | 783,000 | 820,000 | 830,000 | 830,000 |
| Securities available for sale | 88,000 | 64,000 | 64,000 | 65,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,405,000 | 61,900,000 | 63,820,000 | 61,242,000 |
| Interest-bearing deposits | 43,405,000 | 48,436,000 | 45,900,000 | 44,478,000 |
| Noninterest-bearing deposits | 13,000,000 | 13,464,000 | 17,920,000 | 16,764,000 |
| Equity capital | 7,311,000 | 7,551,000 | 7,733,000 | 7,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,236,000 | 2,611,000 | 4,022,000 | 5,512,000 |
| Interest expense | 253,000 | 586,000 | 966,000 | 1,400,000 |
| Net interest income | 983,000 | 2,025,000 | 3,056,000 | 4,112,000 |
| Noninterest income | 53,000 | 95,000 | 157,000 | 237,000 |
| Noninterest expense | 648,000 | 1,255,000 | 1,948,000 | 2,630,000 |
| Provision for loan losses | 60,000 | 96,000 | 106,000 | 105,000 |
| Pretax income | 328,000 | 769,000 | 1,159,000 | 1,614,000 |
| Income tax | 113,000 | 264,000 | 397,000 | 553,000 |
| Net income | 215,000 | 505,000 | 762,000 | 1,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,098,000 | 6,338,000 | 6,520,000 | 6,744,000 |
| Total capital | 6,881,000 | 7,158,000 | 7,350,000 | 7,574,000 |
| Risk-weighted assets | 65,605,000 | 70,013,000 | 71,053,000 | 70,999,000 |