Call reports 2006
RESOURCE BANK — 2006
What RESOURCE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 273,797,000 | 287,711,000 | 289,978,000 | 303,585,000 |
| Total loans | 218,654,000 | 227,794,000 | 233,701,000 | 245,012,000 |
| Allowance for loan losses | 2,515,000 | 2,488,000 | 2,458,000 | 2,309,000 |
| Securities available for sale | 21,765,000 | 27,494,000 | 31,885,000 | 31,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,663,000 | 253,043,000 | 254,795,000 | 259,455,000 |
| Interest-bearing deposits | 182,553,000 | 188,625,000 | 189,934,000 | 198,067,000 |
| Noninterest-bearing deposits | 59,110,000 | 64,418,000 | 64,861,000 | 61,388,000 |
| Equity capital | 21,683,000 | 23,920,000 | 25,035,000 | 25,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,044,000 | 8,575,000 | 13,571,000 | 18,638,000 |
| Interest expense | 1,214,000 | 2,593,000 | 4,207,000 | 5,998,000 |
| Net interest income | 2,830,000 | 5,982,000 | 9,364,000 | 12,640,000 |
| Noninterest income | 294,000 | 561,000 | 782,000 | 973,000 |
| Noninterest expense | 2,000,000 | 4,194,000 | 6,414,000 | 8,763,000 |
| Provision for loan losses | 160,000 | 160,000 | 160,000 | 0 |
| Pretax income | 964,000 | 2,189,000 | 3,572,000 | 4,850,000 |
| Income tax | 328,000 | 748,000 | 1,218,000 | 1,652,000 |
| Net income | 636,000 | 1,441,000 | 2,354,000 | 3,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,771,000 | 24,078,000 | 24,991,000 | 25,834,000 |
| Total capital | 24,286,000 | 26,566,000 | 27,449,000 | 28,143,000 |
| Risk-weighted assets | 224,862,000 | 235,678,000 | 244,093,000 | 257,913,000 |