Call reports 2011
RELIANT BANK — 2011
What RELIANT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 377,461,000 | 392,661,000 | 369,573,000 | 363,439,000 |
| Total loans | 297,884,000 | 292,461,000 | 289,399,000 | 284,088,000 |
| Allowance for loan losses | 8,761,000 | 12,527,000 | 9,940,000 | 9,738,000 |
| Securities available for sale | 39,841,000 | 41,553,000 | 46,185,000 | 42,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,335,000 | 343,569,000 | 318,405,000 | 314,241,000 |
| Interest-bearing deposits | 299,872,000 | 298,660,000 | 291,057,000 | 285,281,000 |
| Noninterest-bearing deposits | 26,463,000 | 44,909,000 | 27,348,000 | 28,960,000 |
| Equity capital | 34,132,000 | 31,975,000 | 33,007,000 | 33,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,641,000 | 9,302,000 | 13,957,000 | 18,453,000 |
| Interest expense | 1,181,000 | 2,294,000 | 3,321,000 | 4,168,000 |
| Net interest income | 3,460,000 | 7,008,000 | 10,636,000 | 14,285,000 |
| Noninterest income | 312,000 | 693,000 | 1,229,000 | 1,876,000 |
| Noninterest expense | 3,350,000 | 6,372,000 | 9,356,000 | 12,714,000 |
| Provision for loan losses | 300,000 | 5,759,000 | 6,368,000 | 6,518,000 |
| Pretax income | 127,000 | -4,363,000 | -3,492,000 | -2,545,000 |
| Income tax | 60,000 | -1,724,000 | -1,383,000 | -1,022,000 |
| Net income | 67,000 | -2,639,000 | -2,109,000 | -1,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,473,000 | 25,673,000 | 26,676,000 | 27,807,000 |
| Total capital | 34,560,000 | 29,558,000 | 30,483,000 | 31,456,000 |
| Risk-weighted assets | 322,285,000 | 302,172,000 | 298,448,000 | 285,833,000 |