Call reports 2007
COMMUNITY RESOURCE BANK — 2007
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 224,398,000 | 227,175,000 | 231,118,000 | 232,934,000 |
| Total loans | 177,379,000 | 179,539,000 | 180,523,000 | 178,643,000 |
| Allowance for loan losses | 2,293,000 | 2,010,000 | 2,101,000 | 1,790,000 |
| Securities available for sale | 22,851,000 | 23,575,000 | 25,178,000 | 28,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,129,000 | 191,167,000 | 194,604,000 | 192,731,000 |
| Interest-bearing deposits | 163,243,000 | 165,662,000 | 168,644,000 | 167,142,000 |
| Noninterest-bearing deposits | 24,886,000 | 25,505,000 | 25,960,000 | 25,589,000 |
| Equity capital | 22,822,000 | 22,898,000 | 23,668,000 | 24,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,581,000 | 7,254,000 | 11,062,000 | 14,857,000 |
| Interest expense | 1,530,000 | 3,147,000 | 4,865,000 | 6,571,000 |
| Net interest income | 2,051,000 | 4,107,000 | 6,197,000 | 8,286,000 |
| Noninterest income | 486,000 | 1,016,000 | 1,535,000 | 2,038,000 |
| Noninterest expense | 1,921,000 | 3,810,000 | 5,622,000 | 7,290,000 |
| Provision for loan losses | 64,000 | 133,000 | 237,000 | 703,000 |
| Pretax income | 552,000 | 1,180,000 | 1,873,000 | 2,362,000 |
| Income tax | 188,000 | 401,000 | 646,000 | 776,000 |
| Net income | 364,000 | 779,000 | 1,227,000 | 1,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,271,000 | 19,686,000 | 20,134,000 | 20,493,000 |
| Total capital | 21,564,000 | 21,696,000 | 22,235,000 | 22,283,000 |
| Risk-weighted assets | 196,760,000 | 199,854,000 | 201,120,000 | 198,845,000 |
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