Call reports 2019
RELIANCE SAVINGS BANK — 2019
What RELIANCE SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 541,699,000 | 526,628,000 | 558,805,000 | 556,112,000 |
| Total loans | 385,818,000 | 383,944,000 | 389,033,000 | 389,622,000 |
| Allowance for loan losses | 5,377,000 | 3,806,000 | 4,118,000 | 4,274,000 |
| Securities available for sale | 110,655,000 | 107,122,000 | 105,881,000 | 118,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,069,000 | 376,401,000 | 405,204,000 | 399,700,000 |
| Interest-bearing deposits | 336,072,000 | 322,687,000 | 354,627,000 | 344,208,000 |
| Noninterest-bearing deposits | 51,997,000 | 53,714,000 | 50,578,000 | 55,493,000 |
| Equity capital | 56,024,000 | 57,677,000 | 58,802,000 | 59,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,438,000 | 10,947,000 | 16,440,000 | 21,918,000 |
| Interest expense | 1,500,000 | 3,093,000 | 4,721,000 | 6,376,000 |
| Net interest income | 3,938,000 | 7,854,000 | 11,719,000 | 15,542,000 |
| Noninterest income | 714,000 | 1,717,000 | 2,774,000 | 3,775,000 |
| Noninterest expense | 3,566,000 | 7,091,000 | 10,605,000 | 13,863,000 |
| Provision for loan losses | 344,000 | 744,000 | 1,039,000 | 1,186,000 |
| Pretax income | 743,000 | 1,762,000 | 2,965,000 | 4,388,000 |
| Income tax | 118,000 | 297,000 | 519,000 | 823,000 |
| Net income | 625,000 | 1,465,000 | 2,446,000 | 3,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,471,000 | 54,311,000 | 55,290,000 | 56,410,000 |
| Total capital | 58,604,000 | 58,117,000 | 59,408,000 | 60,684,000 |
| Risk-weighted assets | 410,431,000 | 407,989,000 | 421,066,000 | 425,878,000 |
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