Call reports 2009
FIRST RESOURCE BANK — 2009
What FIRST RESOURCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 112,852,000 | 120,151,000 | 121,932,000 | 132,037,000 |
| Total loans | 98,168,000 | 100,050,000 | 103,606,000 | 103,740,000 |
| Allowance for loan losses | 1,142,000 | 1,182,000 | 1,234,000 | 1,365,000 |
| Securities available for sale | 8,232,000 | 8,781,000 | 13,976,000 | 14,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,304,000 | 100,253,000 | 102,715,000 | 110,783,000 |
| Interest-bearing deposits | 87,889,000 | 96,335,000 | 97,736,000 | 108,110,000 |
| Noninterest-bearing deposits | 3,415,000 | 3,918,000 | 4,979,000 | 2,673,000 |
| Equity capital | 11,645,000 | 11,453,000 | 11,603,000 | 13,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,385,000 | 2,872,000 | 4,424,000 | 6,032,000 |
| Interest expense | 768,000 | 1,524,000 | 2,255,000 | 2,943,000 |
| Net interest income | 617,000 | 1,348,000 | 2,169,000 | 3,089,000 |
| Noninterest income | 19,000 | 41,000 | 61,000 | 63,000 |
| Noninterest expense | 745,000 | 1,507,000 | 2,264,000 | 2,932,000 |
| Provision for loan losses | 129,000 | 169,000 | 441,000 | 587,000 |
| Pretax income | -238,000 | -287,000 | -475,000 | -367,000 |
| Income tax | -80,000 | -96,000 | -160,000 | -122,000 |
| Net income | -158,000 | -191,000 | -315,000 | -245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,898,000 | 10,755,000 | 10,984,000 | 13,632,000 |
| Total capital | 12,040,000 | 11,937,000 | 12,218,000 | 14,872,000 |
| Risk-weighted assets | 95,086,000 | 96,453,000 | 100,350,000 | 99,226,000 |