Call reports 2013
RELIANT BANK — 2013
What RELIANT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 367,675,000 | 373,924,000 | 388,371,000 | 384,572,000 |
| Total loans | 286,437,000 | 284,791,000 | 298,353,000 | 288,978,000 |
| Allowance for loan losses | 7,951,000 | 8,088,000 | 8,566,000 | 8,530,000 |
| Securities available for sale | 53,602,000 | 35,221,000 | 43,386,000 | 46,462,000 |
| Securities held to maturity | 0 | 23,100,000 | 23,034,000 | 23,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,348,000 | 309,812,000 | 311,654,000 | 289,801,000 |
| Interest-bearing deposits | 276,282,000 | 265,374,000 | 271,801,000 | 250,804,000 |
| Noninterest-bearing deposits | 37,066,000 | 44,438,000 | 39,853,000 | 38,997,000 |
| Equity capital | 38,625,000 | 38,214,000 | 38,992,000 | 38,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,142,000 | 8,274,000 | 12,661,000 | 16,935,000 |
| Interest expense | 498,000 | 958,000 | 1,426,000 | 1,850,000 |
| Net interest income | 3,644,000 | 7,316,000 | 11,235,000 | 15,085,000 |
| Noninterest income | 715,000 | 1,365,000 | 2,165,000 | 2,895,000 |
| Noninterest expense | 3,537,000 | 6,849,000 | 10,149,000 | 13,874,000 |
| Provision for loan losses | 0 | 0 | 0 | -350,000 |
| Pretax income | 825,000 | 1,857,000 | 3,276,000 | 4,487,000 |
| Income tax | 379,000 | 798,000 | 1,356,000 | 1,801,000 |
| Net income | 653,000 | 1,413,000 | 2,366,000 | 3,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,352,000 | 36,657,000 | 38,351,000 | 38,845,000 |
| Total capital | 39,094,000 | 40,431,000 | 42,285,000 | 42,739,000 |
| Risk-weighted assets | 295,185,000 | 297,620,000 | 310,091,000 | 306,916,000 |