Call reports 2008
COMMUNITY RESOURCE BANK — 2008
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 230,718,000 | 236,872,000 | 231,015,000 | 234,034,000 |
| Total loans | 176,646,000 | 180,561,000 | 178,431,000 | 181,998,000 |
| Allowance for loan losses | 1,840,000 | 1,725,000 | 1,951,000 | 1,888,000 |
| Securities available for sale | 29,904,000 | 28,567,000 | 28,020,000 | 27,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,799,000 | 190,094,000 | 182,760,000 | 184,488,000 |
| Interest-bearing deposits | 166,845,000 | 165,894,000 | 157,916,000 | 161,991,000 |
| Noninterest-bearing deposits | 25,954,000 | 24,200,000 | 24,844,000 | 22,497,000 |
| Equity capital | 24,744,000 | 24,219,000 | 24,600,000 | 24,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,630,000 | 7,188,000 | 10,668,000 | 14,051,000 |
| Interest expense | 1,598,000 | 3,033,000 | 4,401,000 | 5,718,000 |
| Net interest income | 2,032,000 | 4,155,000 | 6,267,000 | 8,333,000 |
| Noninterest income | 512,000 | 971,000 | 1,446,000 | 1,874,000 |
| Noninterest expense | 1,898,000 | 3,762,000 | 5,549,000 | 7,410,000 |
| Provision for loan losses | 159,000 | 1,008,000 | 1,513,000 | 2,045,000 |
| Pretax income | 504,000 | 373,000 | 668,000 | 769,000 |
| Income tax | 167,000 | 70,000 | 136,000 | 117,000 |
| Net income | 337,000 | 303,000 | 532,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,830,000 | 20,796,000 | 21,025,000 | 21,145,000 |
| Total capital | 22,670,000 | 22,521,000 | 22,976,000 | 23,033,000 |
| Risk-weighted assets | 196,693,000 | 201,704,000 | 198,694,000 | 203,358,000 |
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