Call reports 2003
RESOURCE BANK — 2003
What RESOURCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 135,785,000 | 155,580,000 | 160,397,000 | 165,890,000 |
| Total loans | 104,807,000 | 117,376,000 | 127,114,000 | 137,945,000 |
| Allowance for loan losses | 1,265,000 | 1,425,000 | 1,463,000 | 1,538,000 |
| Securities available for sale | 19,742,000 | 19,974,000 | 15,091,000 | 11,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,079,000 | 133,764,000 | 141,391,000 | 146,774,000 |
| Interest-bearing deposits | 96,110,000 | 98,888,000 | 102,648,000 | 108,687,000 |
| Noninterest-bearing deposits | 23,969,000 | 34,876,000 | 38,743,000 | 38,087,000 |
| Equity capital | 9,008,000 | 13,299,000 | 13,440,000 | 13,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,900,000 | 3,976,000 | 6,125,000 | 8,352,000 |
| Interest expense | 526,000 | 1,050,000 | 1,558,000 | 2,060,000 |
| Net interest income | 1,374,000 | 2,926,000 | 4,567,000 | 6,292,000 |
| Noninterest income | 154,000 | 315,000 | 472,000 | 632,000 |
| Noninterest expense | 1,222,000 | 2,452,000 | 3,741,000 | 5,152,000 |
| Provision for loan losses | 291,000 | 448,000 | 672,000 | 871,000 |
| Pretax income | 169,000 | 495,000 | 780,000 | 1,055,000 |
| Income tax | 57,000 | 163,000 | 266,000 | 359,000 |
| Net income | 112,000 | 332,000 | 514,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,925,000 | 13,201,000 | 13,383,000 | 13,564,000 |
| Total capital | 10,190,000 | 14,626,000 | 14,846,000 | 15,102,000 |
| Risk-weighted assets | 111,579,000 | 124,543,000 | 134,187,000 | 149,286,000 |