Call reports 2013
COMMUNITY RESOURCE BANK — 2013
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 232,191,000 | 229,532,000 | 236,917,000 | 237,069,000 |
| Total loans | 143,837,000 | 153,536,000 | 158,288,000 | 162,502,000 |
| Allowance for loan losses | 3,920,000 | 3,976,000 | 3,643,000 | 3,669,000 |
| Securities available for sale | 48,594,000 | 43,139,000 | 42,131,000 | 44,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,370,000 | 192,449,000 | 201,401,000 | 199,435,000 |
| Interest-bearing deposits | 168,340,000 | 165,395,000 | 171,288,000 | 170,698,000 |
| Noninterest-bearing deposits | 28,030,000 | 27,054,000 | 30,113,000 | 28,737,000 |
| Equity capital | 24,976,000 | 24,612,000 | 24,953,000 | 24,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,269,000 | 4,713,000 | 7,304,000 | 9,771,000 |
| Interest expense | 346,000 | 679,000 | 976,000 | 1,294,000 |
| Net interest income | 1,923,000 | 4,034,000 | 6,328,000 | 8,477,000 |
| Noninterest income | 345,000 | 873,000 | 1,416,000 | 1,614,000 |
| Noninterest expense | 2,099,000 | 4,272,000 | 6,516,000 | 8,725,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 32,000 |
| Pretax income | 139,000 | 677,000 | 1,270,000 | 1,413,000 |
| Income tax | 51,000 | 260,000 | 476,000 | 530,000 |
| Net income | 88,000 | 417,000 | 794,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,716,000 | 20,357,000 | 21,055,000 | 21,212,000 |
| Total capital | 21,737,000 | 22,490,000 | 23,247,000 | 23,443,000 |
| Risk-weighted assets | 159,816,000 | 168,805,000 | 173,878,000 | 177,019,000 |