Call reports 2017
RELIANCE SAVINGS BANK — 2017
What RELIANCE SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 442,994,000 | 446,921,000 | 452,869,000 | 464,825,000 |
| Total loans | 336,022,000 | 338,713,000 | 338,144,000 | 344,004,000 |
| Allowance for loan losses | 3,853,000 | 4,007,000 | 4,095,000 | 4,261,000 |
| Securities available for sale | 75,944,000 | 74,958,000 | 75,602,000 | 91,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,207,000 | 329,504,000 | 330,295,000 | 339,511,000 |
| Interest-bearing deposits | 268,272,000 | 272,661,000 | 280,956,000 | 282,296,000 |
| Noninterest-bearing deposits | 57,935,000 | 56,843,000 | 49,340,000 | 57,215,000 |
| Equity capital | 51,819,000 | 52,591,000 | 53,278,000 | 51,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,814,000 | 7,676,000 | 11,656,000 | 15,781,000 |
| Interest expense | 600,000 | 1,238,000 | 1,938,000 | 2,665,000 |
| Net interest income | 3,214,000 | 6,438,000 | 9,718,000 | 13,116,000 |
| Noninterest income | 772,000 | 1,734,000 | 2,722,000 | 3,503,000 |
| Noninterest expense | 3,135,000 | 6,294,000 | 9,482,000 | 12,593,000 |
| Provision for loan losses | 125,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 741,000 | 1,599,000 | 2,533,000 | 3,457,000 |
| Income tax | 182,000 | 422,000 | 709,000 | 2,403,000 |
| Net income | 559,000 | 1,177,000 | 1,824,000 | 1,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,316,000 | 49,934,000 | 50,581,000 | 49,811,000 |
| Total capital | 53,169,000 | 53,941,000 | 54,676,000 | 54,071,000 |
| Risk-weighted assets | 346,797,000 | 349,624,000 | 337,552,000 | 351,336,000 |