Call reports 2004
RESOURCE BANK — 2004
What RESOURCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 172,638,000 | 180,665,000 | 188,459,000 | 192,226,000 |
| Total loans | 144,719,000 | 148,328,000 | 162,929,000 | 169,058,000 |
| Allowance for loan losses | 1,712,000 | 1,781,000 | 1,958,000 | 2,030,000 |
| Securities available for sale | 11,286,000 | 11,939,000 | 11,803,000 | 11,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,812,000 | 160,297,000 | 162,639,000 | 156,911,000 |
| Interest-bearing deposits | 117,687,000 | 123,687,000 | 127,070,000 | 123,976,000 |
| Noninterest-bearing deposits | 35,125,000 | 36,610,000 | 35,569,000 | 32,935,000 |
| Equity capital | 14,381,000 | 15,575,000 | 15,976,000 | 16,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,291,000 | 4,650,000 | 7,181,000 | 9,827,000 |
| Interest expense | 532,000 | 1,088,000 | 1,626,000 | 2,233,000 |
| Net interest income | 1,759,000 | 3,562,000 | 5,555,000 | 7,594,000 |
| Noninterest income | 156,000 | 326,000 | 533,000 | 727,000 |
| Noninterest expense | 1,326,000 | 2,744,000 | 4,209,000 | 5,785,000 |
| Provision for loan losses | 177,000 | 287,000 | 476,000 | 551,000 |
| Pretax income | 412,000 | 857,000 | 1,403,000 | 1,985,000 |
| Income tax | 143,000 | 294,000 | 480,000 | 682,000 |
| Net income | 269,000 | 563,000 | 923,000 | 1,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,333,000 | 15,647,000 | 16,007,000 | 16,886,000 |
| Total capital | 16,045,000 | 17,428,000 | 17,965,000 | 18,916,000 |
| Risk-weighted assets | 155,351,000 | 159,784,000 | 174,385,000 | 178,819,000 |