Call reports 2004
COMMUNITY RESOURCE BANK — 2004
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 159,137,000 | 172,682,000 | 182,630,000 | 185,974,000 |
| Total loans | 115,662,000 | 127,551,000 | 133,128,000 | 141,143,000 |
| Allowance for loan losses | 1,246,000 | 1,382,000 | 1,527,000 | 1,680,000 |
| Securities available for sale | 24,724,000 | 24,139,000 | 23,029,000 | 22,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,835,000 | 140,532,000 | 150,586,000 | 152,350,000 |
| Interest-bearing deposits | 100,484,000 | 109,948,000 | 119,251,000 | 119,007,000 |
| Noninterest-bearing deposits | 26,351,000 | 30,584,000 | 31,335,000 | 33,343,000 |
| Equity capital | 17,889,000 | 18,008,000 | 18,463,000 | 18,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,219,000 | 4,557,000 | 6,981,000 | 9,538,000 |
| Interest expense | 462,000 | 928,000 | 1,474,000 | 2,087,000 |
| Net interest income | 1,757,000 | 3,629,000 | 5,507,000 | 7,451,000 |
| Noninterest income | 475,000 | 1,048,000 | 1,559,000 | 1,969,000 |
| Noninterest expense | 1,466,000 | 3,033,000 | 4,561,000 | 6,124,000 |
| Provision for loan losses | 150,000 | 403,000 | 567,000 | 752,000 |
| Pretax income | 717,000 | 1,343,000 | 2,049,000 | 2,676,000 |
| Income tax | 237,000 | 425,000 | 727,000 | 950,000 |
| Net income | 480,000 | 918,000 | 1,322,000 | 1,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,785,000 | 14,167,000 | 14,527,000 | 14,881,000 |
| Total capital | 15,031,000 | 15,549,000 | 16,054,000 | 16,561,000 |
| Risk-weighted assets | 129,384,000 | 143,128,000 | 150,382,000 | 158,672,000 |
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