Call reports 2009
RELIANT BANK — 2009
What RELIANT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 359,764,000 | 341,159,000 | 389,790,000 | 382,117,000 |
| Total loans | 267,910,000 | 274,131,000 | 327,966,000 | 332,134,000 |
| Allowance for loan losses | 3,341,000 | 3,426,000 | 3,405,000 | 5,812,000 |
| Securities available for sale | 59,085,000 | 51,478,000 | 38,089,000 | 30,213,000 |
| Securities held to maturity | 0 | 0 | 2,086,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,302,000 | 279,276,000 | 332,299,000 | 329,237,000 |
| Interest-bearing deposits | 251,563,000 | 235,341,000 | 285,198,000 | 309,480,000 |
| Noninterest-bearing deposits | 42,739,000 | 43,935,000 | 47,101,000 | 19,757,000 |
| Equity capital | 32,664,000 | 32,458,000 | 33,657,000 | 35,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,179,000 | 8,581,000 | 13,535,000 | 19,585,000 |
| Interest expense | 2,117,000 | 4,236,000 | 6,394,000 | 8,553,000 |
| Net interest income | 2,062,000 | 4,345,000 | 7,141,000 | 11,032,000 |
| Noninterest income | 234,000 | 840,000 | 1,136,000 | 1,197,000 |
| Noninterest expense | 2,208,000 | 4,763,000 | 7,382,000 | 10,750,000 |
| Provision for loan losses | 211,000 | 493,000 | 537,000 | 3,274,000 |
| Pretax income | 96,000 | 177,000 | 678,000 | -354,000 |
| Income tax | 11,000 | -1,461,000 | -1,314,000 | -1,761,000 |
| Net income | 85,000 | 1,638,000 | 1,992,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,603,000 | 31,565,000 | 30,050,000 | 33,379,000 |
| Total capital | 33,944,000 | 34,991,000 | 33,455,000 | 37,788,000 |
| Risk-weighted assets | 293,264,000 | 286,476,000 | 318,433,000 | 351,392,000 |