Call reports 2012
COMMUNITY RESOURCE BANK — 2012
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 234,907,000 | 233,021,000 | 232,684,000 | 229,521,000 |
| Total loans | 145,451,000 | 144,499,000 | 146,848,000 | 145,073,000 |
| Allowance for loan losses | 5,424,000 | 4,804,000 | 4,058,000 | 3,990,000 |
| Securities available for sale | 46,676,000 | 46,236,000 | 46,187,000 | 45,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,967,000 | 193,068,000 | 194,414,000 | 193,758,000 |
| Interest-bearing deposits | 170,678,000 | 167,473,000 | 169,782,000 | 167,126,000 |
| Noninterest-bearing deposits | 24,289,000 | 25,595,000 | 24,632,000 | 26,632,000 |
| Equity capital | 23,095,000 | 24,277,000 | 24,659,000 | 24,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,449,000 | 4,828,000 | 7,220,000 | 9,550,000 |
| Interest expense | 507,000 | 987,000 | 1,441,000 | 1,839,000 |
| Net interest income | 1,942,000 | 3,841,000 | 5,779,000 | 7,711,000 |
| Noninterest income | 385,000 | 817,000 | 1,322,000 | 1,941,000 |
| Noninterest expense | 2,148,000 | 4,185,000 | 6,332,000 | 8,301,000 |
| Provision for loan losses | 150,000 | 300,000 | 330,000 | 360,000 |
| Pretax income | 73,000 | 236,000 | 565,000 | 1,142,000 |
| Income tax | 23,000 | 79,000 | 191,000 | 405,000 |
| Net income | 50,000 | 157,000 | 374,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,313,000 | 18,620,000 | 19,059,000 | 19,477,000 |
| Total capital | 19,355,000 | 20,662,000 | 21,102,000 | 21,506,000 |
| Risk-weighted assets | 159,997,000 | 160,594,000 | 161,408,000 | 160,375,000 |