Call reports 2007
RELIANT BANK — 2007
What RELIANT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,277,000 | 170,284,000 | 176,164,000 | 205,324,000 |
| Total loans | 93,315,000 | 108,989,000 | 128,883,000 | 153,279,000 |
| Allowance for loan losses | 1,166,000 | 1,362,000 | 1,611,000 | 1,919,000 |
| Securities available for sale | 19,490,000 | 19,148,000 | 43,851,000 | 41,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,461,000 | 148,266,000 | 153,399,000 | 159,565,000 |
| Interest-bearing deposits | 90,908,000 | 139,097,000 | 143,476,000 | 151,788,000 |
| Noninterest-bearing deposits | 8,553,000 | 9,169,000 | 9,923,000 | 7,777,000 |
| Equity capital | 17,594,000 | 17,147,000 | 17,920,000 | 27,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,160,000 | 4,781,000 | 8,046,000 | 11,480,000 |
| Interest expense | 1,120,000 | 2,535,000 | 4,507,000 | 6,537,000 |
| Net interest income | 1,040,000 | 2,246,000 | 3,539,000 | 4,943,000 |
| Noninterest income | 106,000 | 188,000 | 283,000 | 370,000 |
| Noninterest expense | 1,010,000 | 2,340,000 | 3,776,000 | 5,398,000 |
| Provision for loan losses | 231,000 | 459,000 | 708,000 | 1,076,000 |
| Pretax income | -104,000 | -374,000 | -671,000 | -1,167,000 |
| Income tax | 0 | 18,000 | 27,000 | 14,000 |
| Net income | -104,000 | -392,000 | -698,000 | -1,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,637,000 | 17,350,000 | 17,743,000 | 27,135,000 |
| Total capital | 18,803,000 | 18,712,000 | 19,354,000 | 29,054,000 |
| Risk-weighted assets | 101,161,000 | 123,996,000 | 143,415,000 | 167,833,000 |