Call reports 2005
COMMUNITY RESOURCE BANK — 2005
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 187,074,000 | 195,452,000 | 203,446,000 | 205,425,000 |
| Total loans | 142,177,000 | 147,332,000 | 153,080,000 | 159,186,000 |
| Allowance for loan losses | 1,832,000 | 1,975,000 | 2,023,000 | 2,036,000 |
| Securities available for sale | 21,591,000 | 22,303,000 | 21,344,000 | 20,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,053,000 | 163,252,000 | 169,359,000 | 171,657,000 |
| Interest-bearing deposits | 123,207,000 | 131,444,000 | 138,044,000 | 139,394,000 |
| Noninterest-bearing deposits | 28,846,000 | 31,808,000 | 31,315,000 | 32,263,000 |
| Equity capital | 18,663,000 | 19,037,000 | 19,350,000 | 19,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,579,000 | 5,304,000 | 8,261,000 | 11,359,000 |
| Interest expense | 660,000 | 1,438,000 | 2,307,000 | 3,277,000 |
| Net interest income | 1,919,000 | 3,866,000 | 5,954,000 | 8,082,000 |
| Noninterest income | 419,000 | 918,000 | 1,533,000 | 2,394,000 |
| Noninterest expense | 1,753,000 | 3,546,000 | 5,281,000 | 7,111,000 |
| Provision for loan losses | 150,000 | 306,000 | 375,000 | 446,000 |
| Pretax income | 446,000 | 908,000 | 1,807,000 | 2,895,000 |
| Income tax | 149,000 | 306,000 | 638,000 | 1,042,000 |
| Net income | 297,000 | 602,000 | 1,169,000 | 1,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,078,000 | 15,343,000 | 15,876,000 | 16,480,000 |
| Total capital | 16,910,000 | 17,318,000 | 17,899,000 | 18,516,000 |
| Risk-weighted assets | 161,034,000 | 167,176,000 | 173,568,000 | 178,033,000 |
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