Call reports 2007
DESERT COMMUNITY BANK — 2007
What DESERT COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 93,994,000 | 97,392,000 | 97,782,000 | 101,840,000 |
| Total loans | 85,400,000 | 87,588,000 | 88,185,000 | 90,050,000 |
| Allowance for loan losses | 850,000 | 801,000 | 824,000 | 837,000 |
| Securities available for sale | 70,000 | 61,000 | 62,000 | 64,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,776,000 | 71,663,000 | 73,841,000 | 66,562,000 |
| Interest-bearing deposits | 48,840,000 | 54,714,000 | 51,331,000 | 46,014,000 |
| Noninterest-bearing deposits | 15,936,000 | 16,949,000 | 22,510,000 | 20,548,000 |
| Equity capital | 9,262,000 | 9,493,000 | 9,700,000 | 10,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,783,000 | 5,746,000 | 7,743,000 |
| Interest expense | 738,000 | 1,504,000 | 2,237,000 | 2,929,000 |
| Net interest income | 1,123,000 | 2,279,000 | 3,509,000 | 4,814,000 |
| Noninterest income | 80,000 | 186,000 | 330,000 | 473,000 |
| Noninterest expense | 799,000 | 1,605,000 | 2,417,000 | 3,203,000 |
| Provision for loan losses | 19,000 | -31,000 | 64,000 | 108,000 |
| Pretax income | 385,000 | 891,000 | 1,358,000 | 1,976,000 |
| Income tax | 133,000 | 307,000 | 467,000 | 680,000 |
| Net income | 252,000 | 584,000 | 891,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,049,000 | 8,280,000 | 8,487,000 | 8,793,000 |
| Total capital | 8,899,000 | 9,081,000 | 9,311,000 | 9,630,000 |
| Risk-weighted assets | 85,408,000 | 87,697,000 | 88,499,000 | 90,045,000 |