Call reports 2023
RELIANCE SAVINGS BANK — 2023
What RELIANCE SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 647,712,000 | 643,972,000 | 633,231,000 | 656,656,000 |
| Total loans | 417,852,000 | 417,805,000 | 420,436,000 | 433,423,000 |
| Allowance for loan losses | 4,328,000 | 4,693,000 | 4,817,000 | 5,130,000 |
| Securities available for sale | 173,350,000 | 164,945,000 | 155,818,000 | 154,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,365,000 | 514,418,000 | 509,657,000 | 529,790,000 |
| Interest-bearing deposits | 419,081,000 | 421,321,000 | 426,279,000 | 446,594,000 |
| Noninterest-bearing deposits | 93,284,000 | 93,097,000 | 83,378,000 | 83,196,000 |
| Equity capital | 63,154,000 | 62,249,000 | 60,853,000 | 67,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,135,000 | 12,623,000 | 19,214,000 | 26,372,000 |
| Interest expense | 1,785,000 | 3,861,000 | 6,275,000 | 9,348,000 |
| Net interest income | 4,350,000 | 8,762,000 | 12,939,000 | 17,024,000 |
| Noninterest income | 708,000 | 1,447,000 | 2,249,000 | 3,140,000 |
| Noninterest expense | 3,911,000 | 7,784,000 | 11,588,000 | 15,266,000 |
| Provision for loan losses | 2,000 | 417,000 | 602,000 | 1,028,000 |
| Pretax income | 1,145,000 | 2,017,000 | 2,942,000 | 3,825,000 |
| Income tax | 316,000 | 571,000 | 800,000 | 789,000 |
| Net income | 829,000 | 1,446,000 | 2,142,000 | 3,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,488,000 | 74,105,000 | 74,801,000 | 75,694,000 |
| Total capital | 78,080,000 | 79,047,000 | 79,922,000 | 81,116,000 |
| Risk-weighted assets | 472,005,000 | 469,146,000 | 465,018,000 | 474,859,000 |
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