Call reports 2007
RELIANCE SAVINGS BANK — 2007
What RELIANCE SAVINGS 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 | 320,301,000 | 311,560,000 | 319,322,000 | 328,957,000 |
| Total loans | 236,427,000 | 239,835,000 | 242,234,000 | 238,464,000 |
| Allowance for loan losses | 2,364,000 | 2,382,000 | 2,428,000 | 2,380,000 |
| Securities available for sale | 45,248,000 | 43,560,000 | 44,492,000 | 64,126,000 |
| Securities held to maturity | 402,000 | 134,000 | 104,000 | 87,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,658,000 | 228,972,000 | 234,976,000 | 232,110,000 |
| Interest-bearing deposits | 218,114,000 | 203,256,000 | 211,771,000 | 209,045,000 |
| Noninterest-bearing deposits | 27,544,000 | 25,716,000 | 23,205,000 | 23,065,000 |
| Equity capital | 32,575,000 | 32,373,000 | 33,010,000 | 33,346,000 |
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 | 4,591,000 | 9,338,000 | 14,170,000 | 19,124,000 |
| Interest expense | 2,323,000 | 5,163,000 | 7,646,000 | 10,179,000 |
| Net interest income | 2,268,000 | 4,175,000 | 6,524,000 | 8,945,000 |
| Noninterest income | 507,000 | 1,082,000 | 1,652,000 | 2,557,000 |
| Noninterest expense | 2,159,000 | 4,426,000 | 6,667,000 | 9,788,000 |
| Provision for loan losses | 110,000 | 195,000 | 275,000 | 285,000 |
| Pretax income | 506,000 | 73,000 | 671,000 | 1,099,000 |
| Income tax | 203,000 | 28,000 | 237,000 | 223,000 |
| Net income | 303,000 | 45,000 | 434,000 | 876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,154,000 | 27,920,000 | 28,333,000 | 28,798,000 |
| Total capital | 31,163,000 | 30,866,000 | 31,310,000 | 31,490,000 |
| Risk-weighted assets | 263,710,000 | 268,047,000 | 268,925,000 | 268,306,000 |
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