Call reports 2016
RELIANCE SAVINGS BANK — 2016
What RELIANCE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 431,671,000 | 432,276,000 | 434,785,000 | 444,119,000 |
| Total loans | 330,491,000 | 333,844,000 | 331,196,000 | 337,034,000 |
| Allowance for loan losses | 3,912,000 | 3,929,000 | 3,917,000 | 3,921,000 |
| Securities available for sale | 63,952,000 | 60,030,000 | 63,457,000 | 76,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,069,000 | 321,867,000 | 320,488,000 | 329,989,000 |
| Interest-bearing deposits | 270,101,000 | 269,765,000 | 268,276,000 | 271,384,000 |
| Noninterest-bearing deposits | 51,968,000 | 52,102,000 | 52,212,000 | 58,605,000 |
| Equity capital | 50,100,000 | 50,852,000 | 51,638,000 | 51,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,758,000 | 7,458,000 | 11,278,000 | 15,017,000 |
| Interest expense | 541,000 | 1,095,000 | 1,663,000 | 2,348,000 |
| Net interest income | 3,217,000 | 6,363,000 | 9,615,000 | 12,669,000 |
| Noninterest income | 743,000 | 1,636,000 | 2,709,000 | 3,821,000 |
| Noninterest expense | 3,142,000 | 6,269,000 | 9,412,000 | 13,276,000 |
| Provision for loan losses | 113,000 | 188,000 | 188,000 | 250,000 |
| Pretax income | 723,000 | 1,628,000 | 2,843,000 | 3,084,000 |
| Income tax | 177,000 | 419,000 | 775,000 | 808,000 |
| Net income | 546,000 | 1,209,000 | 2,068,000 | 2,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,027,000 | 47,690,000 | 48,549,000 | 48,757,000 |
| Total capital | 50,939,000 | 51,619,000 | 52,478,000 | 52,678,000 |
| Risk-weighted assets | 334,515,000 | 339,746,000 | 339,938,000 | 352,170,000 |
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