Call reports 2014
COMMUNITY RESOURCE BANK — 2014
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 239,139,000 | 234,153,000 | 241,217,000 | 244,928,000 |
| Total loans | 164,387,000 | 159,115,000 | 164,115,000 | 173,007,000 |
| Allowance for loan losses | 3,724,000 | 3,182,000 | 2,901,000 | 2,877,000 |
| Securities available for sale | 45,906,000 | 49,232,000 | 49,819,000 | 45,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,670,000 | 197,116,000 | 204,100,000 | 203,367,000 |
| Interest-bearing deposits | 170,440,000 | 168,189,000 | 173,718,000 | 172,409,000 |
| Noninterest-bearing deposits | 29,230,000 | 28,927,000 | 30,382,000 | 30,958,000 |
| Equity capital | 25,314,000 | 26,141,000 | 26,515,000 | 26,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,390,000 | 4,932,000 | 7,381,000 | 9,919,000 |
| Interest expense | 308,000 | 612,000 | 910,000 | 1,194,000 |
| Net interest income | 2,082,000 | 4,320,000 | 6,471,000 | 8,725,000 |
| Noninterest income | 390,000 | 1,154,000 | 1,577,000 | 1,701,000 |
| Noninterest expense | 2,101,000 | 4,332,000 | 6,617,000 | 8,838,000 |
| Provision for loan losses | 2,000 | -297,000 | -595,000 | -743,000 |
| Pretax income | 390,000 | 1,460,000 | 2,048,000 | 2,392,000 |
| Income tax | 150,000 | 573,000 | 795,000 | 923,000 |
| Net income | 240,000 | 887,000 | 1,253,000 | 1,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,699,000 | 22,411,000 | 22,778,000 | 22,994,000 |
| Total capital | 23,960,000 | 24,612,000 | 25,025,000 | 25,343,000 |
| Risk-weighted assets | 179,412,000 | 175,060,000 | 179,133,000 | 187,426,000 |