Call reports 2008
RELIANCE SAVINGS BANK — 2008
What RELIANCE SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 335,070,000 | 327,984,000 | 332,852,000 | 335,378,000 |
| Total loans | 235,489,000 | 247,802,000 | 251,107,000 | 245,915,000 |
| Allowance for loan losses | 2,357,000 | 2,471,000 | 2,538,000 | 2,489,000 |
| Securities available for sale | 63,548,000 | 51,077,000 | 50,298,000 | 56,886,000 |
| Securities held to maturity | 77,000 | 67,000 | 61,000 | 57,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,117,000 | 230,953,000 | 235,291,000 | 237,598,000 |
| Interest-bearing deposits | 210,976,000 | 205,218,000 | 210,972,000 | 211,003,000 |
| Noninterest-bearing deposits | 27,141,000 | 25,734,000 | 24,319,000 | 26,595,000 |
| Equity capital | 33,285,000 | 33,125,000 | 33,057,000 | 33,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,762,000 | 9,361,000 | 13,978,000 | 18,490,000 |
| Interest expense | 2,281,000 | 4,242,000 | 6,173,000 | 8,052,000 |
| Net interest income | 2,481,000 | 5,119,000 | 7,805,000 | 10,438,000 |
| Noninterest income | 576,000 | 1,213,000 | 1,803,000 | 2,253,000 |
| Noninterest expense | 2,362,000 | 4,732,000 | 7,147,000 | 10,338,000 |
| Provision for loan losses | 75,000 | 360,000 | 435,000 | 435,000 |
| Pretax income | 662,000 | 1,313,000 | 2,125,000 | 1,805,000 |
| Income tax | 231,000 | 453,000 | 643,000 | 383,000 |
| Net income | 431,000 | 860,000 | 1,482,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,836,000 | 29,290,000 | 29,935,000 | 29,831,000 |
| Total capital | 31,423,000 | 31,906,000 | 32,480,000 | 32,320,000 |
| Risk-weighted assets | 270,032,000 | 277,429,000 | 282,327,000 | 282,866,000 |
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