Call reports 2015
RELIANCE BANK — 2015
What RELIANCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 160,530,000 | 161,150,000 | 165,103,000 | 167,875,000 |
| Total loans | 104,937,000 | 107,428,000 | 101,097,000 | 110,011,000 |
| Allowance for loan losses | 1,526,000 | 1,498,000 | 1,448,000 | 1,333,000 |
| Securities available for sale | 41,647,000 | 41,753,000 | 42,535,000 | 46,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,249,000 | 126,839,000 | 131,303,000 | 133,542,000 |
| Interest-bearing deposits | 96,150,000 | 94,118,000 | 96,038,000 | 96,841,000 |
| Noninterest-bearing deposits | 31,099,000 | 32,721,000 | 35,265,000 | 36,701,000 |
| Equity capital | 19,194,000 | 19,287,000 | 19,697,000 | 20,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,390,000 | 2,816,000 | 4,263,000 | 5,867,000 |
| Interest expense | 222,000 | 447,000 | 668,000 | 890,000 |
| Net interest income | 1,168,000 | 2,369,000 | 3,595,000 | 4,977,000 |
| Noninterest income | 446,000 | 966,000 | 1,515,000 | 1,968,000 |
| Noninterest expense | 1,337,000 | 2,719,000 | 4,030,000 | 5,244,000 |
| Provision for loan losses | 0 | 0 | 0 | -125,000 |
| Pretax income | 277,000 | 617,000 | 1,153,000 | 1,897,000 |
| Income tax | 97,000 | 227,000 | 405,000 | 641,000 |
| Net income | 180,000 | 390,000 | 748,000 | 1,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,661,000 | 18,792,000 | 19,174,000 | 19,586,000 |
| Total capital | 20,109,000 | 20,290,000 | 20,622,000 | 20,919,000 |
| Risk-weighted assets | 115,765,000 | 126,414,000 | 122,733,000 | 130,327,000 |
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