Call reports 2005
RESOURCE BANK — 2005
What RESOURCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 213,734,000 | 216,304,000 | 231,657,000 | 259,996,000 |
| Total loans | 177,704,000 | 182,703,000 | 190,459,000 | 204,736,000 |
| Allowance for loan losses | 2,134,000 | 2,122,000 | 2,191,000 | 2,355,000 |
| Securities available for sale | 9,783,000 | 10,156,000 | 9,975,000 | 9,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,160,000 | 188,449,000 | 202,949,000 | 229,535,000 |
| Interest-bearing deposits | 147,543,000 | 147,942,000 | 153,519,000 | 172,439,000 |
| Noninterest-bearing deposits | 38,617,000 | 40,507,000 | 49,430,000 | 57,096,000 |
| Equity capital | 17,693,000 | 18,188,000 | 18,608,000 | 20,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,811,000 | 5,868,000 | 9,082,000 | 12,775,000 |
| Interest expense | 741,000 | 1,582,000 | 2,494,000 | 3,544,000 |
| Net interest income | 2,070,000 | 4,286,000 | 6,588,000 | 9,231,000 |
| Noninterest income | 230,000 | 427,000 | 591,000 | 783,000 |
| Noninterest expense | 1,683,000 | 3,402,000 | 5,144,000 | 7,068,000 |
| Provision for loan losses | 101,000 | 102,000 | 163,000 | 362,000 |
| Pretax income | 490,000 | 1,183,000 | 1,846,000 | 2,558,000 |
| Income tax | 106,000 | 330,000 | 567,000 | 809,000 |
| Net income | 384,000 | 853,000 | 1,279,000 | 1,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,771,000 | 18,240,000 | 18,665,000 | 20,136,000 |
| Total capital | 19,905,000 | 20,362,000 | 20,856,000 | 22,491,000 |
| Risk-weighted assets | 186,004,000 | 190,164,000 | 200,577,000 | 215,230,000 |