Call reports 2015
COMMUNITY RESOURCE BANK — 2015
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 244,219,000 | 248,297,000 | 253,255,000 | 253,556,000 |
| Total loans | 175,434,000 | 181,783,000 | 176,208,000 | 185,471,000 |
| Allowance for loan losses | 2,938,000 | 2,991,000 | 3,080,000 | 3,175,000 |
| Securities available for sale | 44,099,000 | 41,718,000 | 42,138,000 | 42,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,983,000 | 198,644,000 | 209,941,000 | 211,589,000 |
| Interest-bearing deposits | 171,313,000 | 169,581,000 | 179,514,000 | 174,936,000 |
| Noninterest-bearing deposits | 28,670,000 | 29,063,000 | 30,427,000 | 36,653,000 |
| Equity capital | 27,704,000 | 28,012,000 | 28,644,000 | 28,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,507,000 | 5,048,000 | 7,562,000 | 10,162,000 |
| Interest expense | 269,000 | 536,000 | 813,000 | 1,093,000 |
| Net interest income | 2,238,000 | 4,512,000 | 6,749,000 | 9,069,000 |
| Noninterest income | 420,000 | 913,000 | 1,455,000 | 1,909,000 |
| Noninterest expense | 1,929,000 | 3,868,000 | 5,919,000 | 7,837,000 |
| Provision for loan losses | 1,000 | 2,000 | 3,000 | 4,000 |
| Pretax income | 728,000 | 1,559,000 | 2,301,000 | 3,165,000 |
| Income tax | 287,000 | 615,000 | 896,000 | 1,236,000 |
| Net income | 441,000 | 944,000 | 1,405,000 | 1,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,642,000 | 24,145,000 | 24,606,000 | 25,130,000 |
| Total capital | 26,036,000 | 26,596,000 | 26,998,000 | 27,617,000 |
| Risk-weighted assets | 191,054,000 | 195,480,000 | 190,704,000 | 198,306,000 |