Call reports 2015
RELIANCE SAVINGS BANK — 2015
What RELIANCE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 401,701,000 | 415,341,000 | 419,185,000 | 423,573,000 |
| Total loans | 317,836,000 | 325,609,000 | 333,133,000 | 336,634,000 |
| Allowance for loan losses | 3,817,000 | 3,882,000 | 3,846,000 | 3,801,000 |
| Securities available for sale | 53,004,000 | 58,446,000 | 52,230,000 | 57,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,302,000 | 303,392,000 | 308,802,000 | 310,655,000 |
| Interest-bearing deposits | 249,699,000 | 258,939,000 | 262,710,000 | 260,919,000 |
| Noninterest-bearing deposits | 45,603,000 | 44,453,000 | 46,092,000 | 49,736,000 |
| Equity capital | 47,912,000 | 48,171,000 | 48,938,000 | 49,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,616,000 | 7,168,000 | 10,892,000 | 14,614,000 |
| Interest expense | 478,000 | 972,000 | 1,478,000 | 1,998,000 |
| Net interest income | 3,138,000 | 6,196,000 | 9,414,000 | 12,616,000 |
| Noninterest income | 950,000 | 1,814,000 | 2,684,000 | 3,575,000 |
| Noninterest expense | 3,062,000 | 6,277,000 | 9,446,000 | 12,804,000 |
| Provision for loan losses | 163,000 | 225,000 | 375,000 | 450,000 |
| Pretax income | 884,000 | 1,531,000 | 2,323,000 | 2,993,000 |
| Income tax | 268,000 | 421,000 | 620,000 | 764,000 |
| Net income | 616,000 | 1,110,000 | 1,703,000 | 2,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,868,000 | 45,363,000 | 45,956,000 | 46,481,000 |
| Total capital | 48,685,000 | 49,245,000 | 49,802,000 | 50,282,000 |
| Risk-weighted assets | 323,537,000 | 331,572,000 | 337,773,000 | 339,386,000 |
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