Call reports 2011
COMMUNITY RESOURCE BANK — 2011
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 242,974,000 | 240,985,000 | 240,623,000 | 234,363,000 |
| Total loans | 158,883,000 | 156,196,000 | 155,105,000 | 148,875,000 |
| Allowance for loan losses | 6,728,000 | 6,350,000 | 5,390,000 | 5,629,000 |
| Securities available for sale | 34,322,000 | 33,897,000 | 41,761,000 | 44,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,851,000 | 199,111,000 | 198,598,000 | 194,610,000 |
| Interest-bearing deposits | 180,225,000 | 175,384,000 | 173,361,000 | 171,174,000 |
| Noninterest-bearing deposits | 21,626,000 | 23,727,000 | 25,237,000 | 23,436,000 |
| Equity capital | 22,264,000 | 22,832,000 | 23,031,000 | 23,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,575,000 | 5,156,000 | 7,708,000 | 10,228,000 |
| Interest expense | 719,000 | 1,386,000 | 2,002,000 | 2,569,000 |
| Net interest income | 1,856,000 | 3,770,000 | 5,706,000 | 7,659,000 |
| Noninterest income | 353,000 | 732,000 | 1,175,000 | 1,421,000 |
| Noninterest expense | 2,095,000 | 4,003,000 | 6,087,000 | 7,943,000 |
| Provision for loan losses | 150,000 | 150,000 | 275,000 | 650,000 |
| Pretax income | -36,000 | 455,000 | 629,000 | 603,000 |
| Income tax | -28,000 | 159,000 | 204,000 | 180,000 |
| Net income | -8,000 | 296,000 | 425,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,849,000 | 16,983,000 | 17,294,000 | 17,108,000 |
| Total capital | 19,057,000 | 19,155,000 | 19,438,000 | 19,167,000 |
| Risk-weighted assets | 172,104,000 | 169,561,000 | 168,267,000 | 161,159,000 |