Heart rates (during rest and exercise) are very different in different people. Hearts are like engines, some of them just need a little higher BPM (and are able to handle it) some of them don't. I once did a stress EKG test and when the dr stopped me, my heart rate was between 200 and 210, and i didn't notice anything unusual (could have kept going). My resting HR is a bit high as well, somewhere between 60 and 90.
As long as you don't feel symptoms (dizziness, SOB, fainting) it's a sign your heart works as it should, and probably not a problem. You should tell your doctor, though, and get a professional opinion.
By the way, your resting heart rate should not be measured while being a bit anxious and writing questions here. That is not your real resting heart rate.
you're best doing a treadmill test by a doctor, athletic people will usually have a slower hr such as 60 some even lower likeou 45, your resting pulse shld be around 60-100 anything over100 needs looking at