Call reports 2006
DESERT COMMUNITY BANK — 2006
What DESERT COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,963,000 | 87,154,000 | 93,073,000 | 93,918,000 |
| Total loans | 73,584,000 | 80,040,000 | 84,355,000 | 83,284,000 |
| Allowance for loan losses | 800,000 | 801,000 | 820,000 | 830,000 |
| Securities available for sale | 66,000 | 66,000 | 68,000 | 69,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,085,000 | 65,586,000 | 70,592,000 | 65,442,000 |
| Interest-bearing deposits | 43,749,000 | 48,343,000 | 54,596,000 | 49,377,000 |
| Noninterest-bearing deposits | 17,336,000 | 17,243,000 | 15,996,000 | 16,065,000 |
| Equity capital | 8,154,000 | 8,466,000 | 8,853,000 | 9,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,520,000 | 3,205,000 | 5,129,000 | 7,139,000 |
| Interest expense | 450,000 | 968,000 | 1,653,000 | 2,382,000 |
| Net interest income | 1,070,000 | 2,237,000 | 3,476,000 | 4,757,000 |
| Noninterest income | 88,000 | 177,000 | 246,000 | 326,000 |
| Noninterest expense | 746,000 | 1,523,000 | 2,297,000 | 3,104,000 |
| Provision for loan losses | -43,000 | -43,000 | -24,000 | -15,000 |
| Pretax income | 455,000 | 934,000 | 1,449,000 | 1,994,000 |
| Income tax | 158,000 | 324,000 | 503,000 | 692,000 |
| Net income | 297,000 | 610,000 | 946,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,941,000 | 7,254,000 | 7,640,000 | 7,896,000 |
| Total capital | 7,741,000 | 8,055,000 | 8,460,000 | 8,726,000 |
| Risk-weighted assets | 72,529,000 | 78,455,000 | 82,000,000 | 83,942,000 |