Call reports 2012
RELIANT BANK — 2012
What RELIANT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 359,237,000 | 371,755,000 | 354,325,000 | 384,620,000 |
| Total loans | 283,609,000 | 286,701,000 | 282,796,000 | 293,173,000 |
| Allowance for loan losses | 9,211,000 | 8,770,000 | 8,204,000 | 7,759,000 |
| Securities available for sale | 45,657,000 | 36,717,000 | 37,234,000 | 37,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,862,000 | 318,732,000 | 300,814,000 | 330,312,000 |
| Interest-bearing deposits | 277,645,000 | 286,540,000 | 260,437,000 | 289,343,000 |
| Noninterest-bearing deposits | 32,217,000 | 32,192,000 | 40,377,000 | 40,969,000 |
| Equity capital | 33,676,000 | 37,344,000 | 37,817,000 | 38,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,391,000 | 8,703,000 | 12,959,000 | 17,231,000 |
| Interest expense | 750,000 | 1,480,000 | 2,125,000 | 2,687,000 |
| Net interest income | 3,641,000 | 7,223,000 | 10,834,000 | 14,544,000 |
| Noninterest income | 709,000 | 1,012,000 | 1,235,000 | 1,727,000 |
| Noninterest expense | 3,122,000 | 6,063,000 | 9,126,000 | 12,530,000 |
| Provision for loan losses | 250,000 | 850,000 | 1,225,000 | 1,350,000 |
| Pretax income | 1,045,000 | 1,659,000 | 2,078,000 | 2,929,000 |
| Income tax | 381,000 | 608,000 | 890,000 | 1,300,000 |
| Net income | 664,000 | 1,051,000 | 1,542,000 | 2,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,000,000 | 32,874,000 | 33,506,000 | 34,591,000 |
| Total capital | 32,636,000 | 36,639,000 | 37,128,000 | 38,345,000 |
| Risk-weighted assets | 285,281,000 | 296,225,000 | 285,154,000 | 296,289,000 |