Call reports 2020
COMMUNITY RESOURCE BANK — 2020
What COMMUNITY RESOURCE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 317,097,000 | 339,986,000 | 342,921,000 | 348,403,000 |
| Total loans | 245,194,000 | 268,540,000 | 281,958,000 | 268,118,000 |
| Allowance for loan losses | 3,488,000 | 3,674,000 | 3,817,000 | 4,065,000 |
| Securities available for sale | 37,289,000 | 35,264,000 | 29,603,000 | 31,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,146,000 | 284,629,000 | 287,627,000 | 297,627,000 |
| Interest-bearing deposits | 215,296,000 | 224,789,000 | 222,727,000 | 229,737,000 |
| Noninterest-bearing deposits | 46,850,000 | 59,840,000 | 64,900,000 | 67,890,000 |
| Equity capital | 44,757,000 | 46,412,000 | 47,269,000 | 42,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,727,000 | 7,497,000 | 11,159,000 | 15,034,000 |
| Interest expense | 664,000 | 1,283,000 | 1,847,000 | 2,371,000 |
| Net interest income | 3,063,000 | 6,214,000 | 9,312,000 | 12,663,000 |
| Noninterest income | 715,000 | 1,734,000 | 2,596,000 | 3,624,000 |
| Noninterest expense | 2,173,000 | 4,547,000 | 7,164,000 | 9,642,000 |
| Provision for loan losses | 0 | 188,000 | 375,000 | 500,000 |
| Pretax income | 1,622,000 | 3,288,000 | 4,481,000 | 6,257,000 |
| Income tax | 452,000 | 916,000 | 1,242,000 | 1,731,000 |
| Net income | 1,170,000 | 2,372,000 | 3,239,000 | 4,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,820,000 | 42,022,000 | 42,889,000 | 38,176,000 |