Call reports 2016
COMMUNITY RESOURCE BANK — 2016
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 255,860,000 | 264,991,000 | 273,906,000 | 279,163,000 |
| Total loans | 189,374,000 | 202,385,000 | 212,845,000 | 219,679,000 |
| Allowance for loan losses | 3,203,000 | 3,078,000 | 2,995,000 | 3,018,000 |
| Securities available for sale | 41,098,000 | 36,738,000 | 36,639,000 | 34,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,378,000 | 214,252,000 | 228,442,000 | 233,690,000 |
| Interest-bearing deposits | 177,681,000 | 180,658,000 | 192,076,000 | 195,137,000 |
| Noninterest-bearing deposits | 33,697,000 | 33,594,000 | 36,366,000 | 38,553,000 |
| Equity capital | 29,712,000 | 30,379,000 | 31,248,000 | 31,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,627,000 | 5,418,000 | 8,360,000 | 11,318,000 |
| Interest expense | 287,000 | 588,000 | 918,000 | 1,266,000 |
| Net interest income | 2,340,000 | 4,830,000 | 7,442,000 | 10,052,000 |
| Noninterest income | 444,000 | 891,000 | 1,476,000 | 1,955,000 |
| Noninterest expense | 1,876,000 | 3,890,000 | 5,720,000 | 7,747,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 889,000 | 1,809,000 | 3,146,000 | 4,194,000 |
| Income tax | 352,000 | 713,000 | 1,236,000 | 1,636,000 |
| Net income | 537,000 | 1,096,000 | 1,910,000 | 2,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,667,000 | 26,226,000 | 27,040,000 | 27,688,000 |
| Total capital | 28,187,000 | 28,868,000 | 29,787,000 | 30,509,000 |
| Risk-weighted assets | 200,942,000 | 210,901,000 | 219,542,000 | 225,446,000 |