Call reports 2018
RELIANCE SAVINGS BANK — 2018
What RELIANCE SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 480,433,000 | 491,353,000 | 520,683,000 | 531,516,000 |
| Total loans | 349,038,000 | 368,456,000 | 382,029,000 | 380,672,000 |
| Allowance for loan losses | 4,338,000 | 4,505,000 | 4,818,000 | 5,090,000 |
| Securities available for sale | 93,022,000 | 92,639,000 | 98,352,000 | 110,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,123,000 | 348,861,000 | 380,948,000 | 382,146,000 |
| Interest-bearing deposits | 299,339,000 | 295,114,000 | 331,551,000 | 323,828,000 |
| Noninterest-bearing deposits | 53,784,000 | 53,747,000 | 49,398,000 | 58,318,000 |
| Equity capital | 51,514,000 | 52,101,000 | 52,591,000 | 54,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,233,000 | 8,794,000 | 13,707,000 | 19,006,000 |
| Interest expense | 812,000 | 1,810,000 | 2,993,000 | 4,338,000 |
| Net interest income | 3,421,000 | 6,984,000 | 10,714,000 | 14,668,000 |
| Noninterest income | 789,000 | 1,627,000 | 2,499,000 | 3,476,000 |
| Noninterest expense | 3,691,000 | 6,967,000 | 10,266,000 | 13,686,000 |
| Provision for loan losses | 126,000 | 310,000 | 625,000 | 900,000 |
| Pretax income | 393,000 | 1,334,000 | 2,322,000 | 3,582,000 |
| Income tax | 51,000 | 215,000 | 389,000 | 778,000 |
| Net income | 342,000 | 1,119,000 | 1,933,000 | 2,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,384,000 | 51,161,000 | 51,975,000 | 52,845,000 |
| Total capital | 54,722,000 | 55,666,000 | 56,793,000 | 57,883,000 |
| Risk-weighted assets | 360,296,000 | 374,895,000 | 394,572,000 | 403,012,000 |
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