Call reports 2009
DESERT COMMUNITY BANK — 2009
What DESERT COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 94,034,000 | 94,687,000 | 107,249,000 | 97,621,000 |
| Total loans | 87,028,000 | 85,066,000 | 85,306,000 | 81,088,000 |
| Allowance for loan losses | 944,000 | 1,607,000 | 2,625,000 | 2,900,000 |
| Securities available for sale | 445,000 | 334,000 | 72,000 | 72,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,929,000 | 78,982,000 | 91,938,000 | 86,539,000 |
| Interest-bearing deposits | 59,262,000 | 62,252,000 | 67,978,000 | 67,465,000 |
| Noninterest-bearing deposits | 14,667,000 | 16,730,000 | 23,960,000 | 19,074,000 |
| Equity capital | 8,980,000 | 8,476,000 | 8,152,000 | 6,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,386,000 | 2,833,000 | 4,193,000 | 5,424,000 |
| Interest expense | 507,000 | 965,000 | 1,391,000 | 1,772,000 |
| Net interest income | 879,000 | 1,868,000 | 2,802,000 | 3,652,000 |
| Noninterest income | 89,000 | 189,000 | 255,000 | -261,000 |
| Noninterest expense | 763,000 | 1,614,000 | 2,375,000 | 3,232,000 |
| Provision for loan losses | 861,000 | 1,748,000 | 2,930,000 | 4,414,000 |
| Pretax income | -656,000 | -1,305,000 | -2,248,000 | -4,255,000 |
| Income tax | -221,000 | -441,000 | -738,000 | -1,440,000 |
| Net income | -435,000 | -864,000 | -1,510,000 | -2,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,013,000 | 7,583,000 | 6,937,000 | 5,634,000 |
| Total capital | 8,957,000 | 8,663,000 | 8,025,000 | 6,702,000 |
| Risk-weighted assets | 86,152,000 | 85,839,000 | 85,479,000 | 83,573,000 |