Call reports 2014
RELIANT BANK — 2014
What RELIANT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 392,062,000 | 434,551,000 | 451,510,000 | 449,735,000 |
| Total loans | 295,284,000 | 320,798,000 | 340,527,000 | 343,491,000 |
| Allowance for loan losses | 8,161,000 | 7,974,000 | 7,550,000 | 7,353,000 |
| Securities available for sale | 44,138,000 | 53,845,000 | 54,819,000 | 51,789,000 |
| Securities held to maturity | 22,981,000 | 22,969,000 | 22,961,000 | 22,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,759,000 | 341,826,000 | 347,544,000 | 334,365,000 |
| Interest-bearing deposits | 263,647,000 | 288,085,000 | 294,374,000 | 288,597,000 |
| Noninterest-bearing deposits | 42,112,000 | 53,741,000 | 53,170,000 | 45,768,000 |
| Equity capital | 40,606,000 | 41,842,000 | 43,042,000 | 43,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,974,000 | 8,101,000 | 12,721,000 | 17,215,000 |
| Interest expense | 388,000 | 777,000 | 1,220,000 | 1,629,000 |
| Net interest income | 3,586,000 | 7,324,000 | 11,501,000 | 15,586,000 |
| Noninterest income | 478,000 | 1,075,000 | 2,015,000 | 4,465,000 |
| Noninterest expense | 3,303,000 | 6,925,000 | 11,819,000 | 17,107,000 |
| Provision for loan losses | -500,000 | -750,000 | -1,250,000 | -1,500,000 |
| Pretax income | 1,327,000 | 2,330,000 | 3,063,000 | 4,587,000 |
| Income tax | 564,000 | 1,064,000 | 1,477,000 | 1,876,000 |
| Net income | 1,074,000 | 2,066,000 | 2,913,000 | 3,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,359,000 | 41,386,000 | 42,275,000 | 42,542,000 |
| Total capital | 44,328,000 | 45,672,000 | 46,529,000 | 46,942,000 |
| Risk-weighted assets | 313,315,000 | 339,207,000 | 337,042,000 | 349,076,000 |