Call reports 2020
RELIANCE SAVINGS BANK — 2020
What RELIANCE SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 541,794,000 | 604,884,000 | 619,604,000 | 630,875,000 |
| Total loans | 383,624,000 | 414,844,000 | 403,306,000 | 403,000,000 |
| Allowance for loan losses | 4,604,000 | 5,278,000 | 5,564,000 | 5,863,000 |
| Securities available for sale | 114,958,000 | 124,542,000 | 138,327,000 | 165,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,437,000 | 447,433,000 | 463,019,000 | 479,566,000 |
| Interest-bearing deposits | 339,038,000 | 371,908,000 | 385,486,000 | 402,957,000 |
| Noninterest-bearing deposits | 53,399,000 | 75,526,000 | 77,534,000 | 76,609,000 |
| Equity capital | 60,940,000 | 62,828,000 | 64,931,000 | 65,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,266,000 | 10,420,000 | 15,386,000 | 20,407,000 |
| Interest expense | 1,379,000 | 2,585,000 | 3,692,000 | 4,648,000 |
| Net interest income | 3,887,000 | 7,835,000 | 11,694,000 | 15,759,000 |
| Noninterest income | 962,000 | 2,565,000 | 5,320,000 | 7,390,000 |
| Noninterest expense | 3,571,000 | 7,018,000 | 11,026,000 | 15,353,000 |
| Provision for loan losses | 373,000 | 1,089,000 | 1,389,000 | 1,689,000 |
| Pretax income | 1,198,000 | 2,787,000 | 5,110,000 | 6,580,000 |
| Income tax | 234,000 | 517,000 | 961,000 | 1,371,000 |
| Net income | 964,000 | 2,270,000 | 4,149,000 | 5,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,374,000 | 58,681,000 | 60,560,000 | 61,619,000 |
| Total capital | 61,978,000 | 63,960,000 | 66,113,000 | 67,163,000 |
| Risk-weighted assets | 414,044,000 | 458,408,000 | 444,202,000 | 443,173,000 |
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