Call reports 2010
RELIANT BANK — 2010
What RELIANT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 394,408,000 | 387,005,000 | 395,304,000 | 379,295,000 |
| Total loans | 332,010,000 | 327,466,000 | 325,260,000 | 310,188,000 |
| Allowance for loan losses | 5,432,000 | 5,884,000 | 9,407,000 | 9,136,000 |
| Securities available for sale | 33,381,000 | 24,497,000 | 28,133,000 | 29,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,059,000 | 332,882,000 | 343,137,000 | 328,533,000 |
| Interest-bearing deposits | 318,655,000 | 309,574,000 | 309,726,000 | 302,296,000 |
| Noninterest-bearing deposits | 20,404,000 | 23,308,000 | 33,411,000 | 26,237,000 |
| Equity capital | 36,917,000 | 37,366,000 | 34,578,000 | 33,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,021,000 | 9,928,000 | 14,888,000 | 19,592,000 |
| Interest expense | 1,797,000 | 3,436,000 | 4,993,000 | 6,329,000 |
| Net interest income | 3,224,000 | 6,492,000 | 9,895,000 | 13,263,000 |
| Noninterest income | 341,000 | 743,000 | 923,000 | 1,200,000 |
| Noninterest expense | 2,954,000 | 5,880,000 | 9,168,000 | 12,480,000 |
| Provision for loan losses | 326,000 | 1,129,000 | 5,700,000 | 6,632,000 |
| Pretax income | 308,000 | 459,000 | -3,791,000 | -4,363,000 |
| Income tax | 119,000 | 107,000 | -1,107,000 | -1,728,000 |
| Net income | 189,000 | 352,000 | -2,684,000 | -2,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,975,000 | 35,547,000 | 31,752,000 | 30,009,000 |
| Total capital | 39,384,000 | 39,773,000 | 35,951,000 | 34,165,000 |
| Risk-weighted assets | 352,244,000 | 336,383,000 | 330,715,000 | 327,475,000 |