Call reports 2016
RELIANCE BANK — 2016
What RELIANCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 173,093,000 | 209,682,000 | 210,093,000 | 217,462,000 |
| Total loans | 113,315,000 | 136,827,000 | 128,910,000 | 128,695,000 |
| Allowance for loan losses | 1,340,000 | 1,265,000 | 1,234,000 | 1,240,000 |
| Securities available for sale | 41,881,000 | 52,550,000 | 51,863,000 | 56,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,672,000 | 176,359,000 | 176,301,000 | 185,219,000 |
| Interest-bearing deposits | 94,001,000 | 133,076,000 | 131,320,000 | 143,825,000 |
| Noninterest-bearing deposits | 37,672,000 | 43,283,000 | 44,981,000 | 41,394,000 |
| Equity capital | 20,352,000 | 20,584,000 | 21,031,000 | 19,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,543,000 | 3,399,000 | 5,416,000 | 7,340,000 |
| Interest expense | 226,000 | 498,000 | 812,000 | 1,105,000 |
| Net interest income | 1,317,000 | 2,901,000 | 4,604,000 | 6,235,000 |
| Noninterest income | 448,000 | 1,017,000 | 1,837,000 | 2,390,000 |
| Noninterest expense | 1,428,000 | 3,260,000 | 5,273,000 | 7,255,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 368,000 | 689,000 | 1,199,000 | 1,401,000 |
| Income tax | 107,000 | 242,000 | 391,000 | 523,000 |
| Net income | 261,000 | 447,000 | 808,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,596,000 | 19,714,000 | 19,910,000 | 20,075,000 |
| Total capital | 20,936,000 | 20,979,000 | 21,144,000 | 21,315,000 |
| Risk-weighted assets | 136,250,000 | 157,694,000 | 157,037,000 | 159,598,000 |