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This institution is no longer active

Operations ceased on January 23, 2002. CRA examination history below reflects the period it was active.

FIRST COMMUNITY BANK OF THE DESERT

INDIAN WELLS, CA · Supervised by FDIC

Est. 1980FDIC #23,232RSSD: FDIC-23232
Part ofWJR CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.42%

Institution Profile

FDIC BankFind

Address

74-750 Highway 111, INDIAN WELLS, CA

County

Riverside County

Established

October 30, 1980

Total Assets

$147M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2001Call Report / FDIC

Total Assets

$147M

Total Deposits

$134M

Net Loans

$116M

Net Income

$2M

ROA

1.42%

ROE

18.06%

Risk-Based Capital

10.23%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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