Call reports 2008
DESERT COMMUNITY BANK — 2008
What DESERT COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 103,910,000 | 106,880,000 | 104,384,000 | 100,312,000 |
| Total loans | 92,448,000 | 91,281,000 | 90,983,000 | 87,388,000 |
| Allowance for loan losses | 801,000 | 1,190,000 | 1,190,000 | 943,000 |
| Securities available for sale | 65,000 | 66,000 | 728,000 | 652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,742,000 | 80,715,000 | 79,987,000 | 74,608,000 |
| Interest-bearing deposits | 60,605,000 | 60,794,000 | 61,443,000 | 56,063,000 |
| Noninterest-bearing deposits | 14,137,000 | 19,921,000 | 18,544,000 | 18,545,000 |
| Equity capital | 9,932,000 | 9,972,000 | 10,222,000 | 9,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,757,000 | 3,503,000 | 5,224,000 | 6,739,000 |
| Interest expense | 700,000 | 1,379,000 | 2,023,000 | 2,627,000 |
| Net interest income | 1,057,000 | 2,124,000 | 3,201,000 | 4,112,000 |
| Noninterest income | 132,000 | 262,000 | 397,000 | 501,000 |
| Noninterest expense | 737,000 | 1,482,000 | 2,224,000 | 2,932,000 |
| Provision for loan losses | 244,000 | 632,000 | 631,000 | 767,000 |
| Pretax income | 208,000 | 272,000 | 743,000 | 914,000 |
| Income tax | 72,000 | 96,000 | 258,000 | 318,000 |
| Net income | 136,000 | 176,000 | 485,000 | 596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,718,000 | 8,758,000 | 9,067,000 | 8,448,000 |
| Total capital | 9,519,000 | 9,915,000 | 10,234,000 | 9,391,000 |
| Risk-weighted assets | 93,498,000 | 92,531,000 | 93,369,000 | 88,215,000 |