Call reports 2010
COMMUNITY RESOURCE BANK — 2010
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 235,374,000 | 234,978,000 | 235,225,000 | 240,476,000 |
| Total loans | 174,091,000 | 173,989,000 | 171,621,000 | 163,967,000 |
| Allowance for loan losses | 6,966,000 | 5,387,000 | 7,349,000 | 6,951,000 |
| Securities available for sale | 24,168,000 | 24,561,000 | 22,494,000 | 27,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,398,000 | 190,306,000 | 191,255,000 | 197,597,000 |
| Interest-bearing deposits | 166,738,000 | 168,214,000 | 169,078,000 | 173,843,000 |
| Noninterest-bearing deposits | 23,660,000 | 22,092,000 | 22,177,000 | 23,754,000 |
| Equity capital | 23,527,000 | 23,295,000 | 22,572,000 | 22,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,954,000 | 5,901,000 | 8,813,000 | 11,619,000 |
| Interest expense | 856,000 | 1,663,000 | 2,459,000 | 3,243,000 |
| Net interest income | 2,098,000 | 4,238,000 | 6,354,000 | 8,376,000 |
| Noninterest income | 377,000 | 710,000 | 1,025,000 | 1,224,000 |
| Noninterest expense | 2,013,000 | 4,132,000 | 6,144,000 | 8,243,000 |
| Provision for loan losses | 3,003,000 | 3,856,000 | 6,059,000 | 6,287,000 |
| Pretax income | -2,541,000 | -3,012,000 | -4,447,000 | -4,562,000 |
| Income tax | -1,061,000 | -1,289,000 | -1,908,000 | -1,987,000 |
| Net income | -1,480,000 | -1,723,000 | -2,539,000 | -2,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,854,000 | 18,689,000 | 16,714,000 | 16,813,000 |
| Total capital | 21,373,000 | 21,156,000 | 19,105,000 | 19,093,000 |
| Risk-weighted assets | 197,055,000 | 194,468,000 | 186,302,000 | 177,699,000 |