Call reports 2007
RESOURCE BANK — 2007
What RESOURCE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 308,477,000 | 321,216,000 | 310,595,000 | 302,483,000 |
| Total loans | 254,432,000 | 256,351,000 | 249,427,000 | 256,052,000 |
| Allowance for loan losses | 2,341,000 | 2,323,000 | 2,314,000 | 2,305,000 |
| Securities available for sale | 29,309,000 | 27,752,000 | 25,383,000 | 27,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,481,000 | 265,074,000 | 258,216,000 | 243,405,000 |
| Interest-bearing deposits | 198,602,000 | 214,086,000 | 215,263,000 | 202,702,000 |
| Noninterest-bearing deposits | 50,879,000 | 50,988,000 | 42,952,000 | 40,702,000 |
| Equity capital | 26,518,000 | 27,508,000 | 28,339,000 | 29,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,154,000 | 10,612,000 | 16,068,000 | 21,277,000 |
| Interest expense | 2,063,000 | 4,289,000 | 6,512,000 | 8,563,000 |
| Net interest income | 3,091,000 | 6,323,000 | 9,556,000 | 12,714,000 |
| Noninterest income | 199,000 | 424,000 | 654,000 | 902,000 |
| Noninterest expense | 2,508,000 | 4,987,000 | 7,523,000 | 10,100,000 |
| Provision for loan losses | 36,000 | 15,000 | 0 | 0 |
| Pretax income | 746,000 | 1,745,000 | 2,687,000 | 3,516,000 |
| Income tax | 110,000 | 449,000 | 768,000 | 1,050,000 |
| Net income | 636,000 | 1,296,000 | 1,919,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,471,000 | 27,630,000 | 28,252,000 | 28,800,000 |
| Total capital | 28,812,000 | 29,953,000 | 30,566,000 | 31,105,000 |
| Risk-weighted assets | 266,760,000 | 273,555,000 | 264,747,000 | 266,745,000 |