Call reports 2009
RELIANCE SAVINGS BANK — 2009
What RELIANCE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 339,228,000 | 338,850,000 | 344,890,000 | 346,374,000 |
| Total loans | 241,581,000 | 244,143,000 | 247,797,000 | 252,321,000 |
| Allowance for loan losses | 2,450,000 | 2,797,000 | 3,118,000 | 3,404,000 |
| Securities available for sale | 62,819,000 | 63,688,000 | 62,287,000 | 62,386,000 |
| Securities held to maturity | 51,000 | 47,000 | 42,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,303,000 | 246,127,000 | 251,682,000 | 256,896,000 |
| Interest-bearing deposits | 216,606,000 | 217,715,000 | 224,812,000 | 225,902,000 |
| Noninterest-bearing deposits | 28,697,000 | 28,411,000 | 26,870,000 | 30,994,000 |
| Equity capital | 34,181,000 | 34,935,000 | 35,743,000 | 35,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,289,000 | 8,496,000 | 12,608,000 | 16,733,000 |
| Interest expense | 1,653,000 | 3,186,000 | 4,618,000 | 6,008,000 |
| Net interest income | 2,636,000 | 5,310,000 | 7,990,000 | 10,725,000 |
| Noninterest income | 1,020,000 | 2,636,000 | 3,332,000 | 4,227,000 |
| Noninterest expense | 2,748,000 | 5,969,000 | 8,841,000 | 12,228,000 |
| Provision for loan losses | 115,000 | 550,000 | 890,000 | 1,250,000 |
| Pretax income | 793,000 | 1,447,000 | 1,627,000 | 1,494,000 |
| Income tax | 214,000 | 389,000 | 383,000 | 261,000 |
| Net income | 579,000 | 1,058,000 | 1,244,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,445,000 | 30,871,000 | 31,100,000 | 31,097,000 |
| Total capital | 32,895,000 | 33,668,000 | 34,226,000 | 34,494,000 |
| Risk-weighted assets | 282,942,000 | 276,655,000 | 279,005,000 | 271,387,000 |
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