Call reports 2013
RELIANCE BANK — 2013
What RELIANCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 143,499,000 | 141,672,000 | 140,931,000 | 144,766,000 |
| Total loans | 83,826,000 | 84,540,000 | 86,332,000 | 95,171,000 |
| Allowance for loan losses | 2,009,000 | 2,013,000 | 1,977,000 | 1,738,000 |
| Securities available for sale | 42,933,000 | 42,108,000 | 42,207,000 | 36,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,932,000 | 112,353,000 | 110,453,000 | 114,041,000 |
| Interest-bearing deposits | 85,437,000 | 84,065,000 | 83,245,000 | 83,875,000 |
| Noninterest-bearing deposits | 28,495,000 | 28,288,000 | 27,207,000 | 30,166,000 |
| Equity capital | 17,981,000 | 17,675,000 | 17,791,000 | 17,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,297,000 | 2,576,000 | 3,869,000 | 5,208,000 |
| Interest expense | 323,000 | 614,000 | 847,000 | 1,103,000 |
| Net interest income | 974,000 | 1,962,000 | 3,022,000 | 4,105,000 |
| Noninterest income | 359,000 | 781,000 | 1,162,000 | 1,463,000 |
| Noninterest expense | 1,162,000 | 2,398,000 | 3,584,000 | 4,862,000 |
| Provision for loan losses | 0 | 0 | 0 | -250,000 |
| Pretax income | 171,000 | 415,000 | 734,000 | 1,120,000 |
| Income tax | 39,000 | 125,000 | 216,000 | 365,000 |
| Net income | 132,000 | 290,000 | 518,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,827,000 | 16,801,000 | 17,056,000 | 17,398,000 |
| Total capital | 17,994,000 | 17,959,000 | 18,226,000 | 18,688,000 |
| Risk-weighted assets | 92,521,000 | 91,806,000 | 92,830,000 | 102,788,000 |
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