Call reports 2007
RELIANT BANK — 2007
What RELIANT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 47,452,000 | 59,664,000 | 86,973,000 | 98,409,000 |
| Total loans | 13,755,000 | 28,778,000 | 42,309,000 | 51,929,000 |
| Allowance for loan losses | 172,000 | 361,000 | 529,000 | 650,000 |
| Securities available for sale | 18,659,000 | 22,187,000 | 31,343,000 | 31,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,686,000 | 46,665,000 | 58,574,000 | 69,631,000 |
| Interest-bearing deposits | 27,038,000 | 41,755,000 | 52,349,000 | 62,236,000 |
| Noninterest-bearing deposits | 6,648,000 | 4,910,000 | 6,225,000 | 7,395,000 |
| Equity capital | 13,677,000 | 12,854,000 | 28,191,000 | 28,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 573,000 | 1,414,000 | 2,598,000 | 4,162,000 |
| Interest expense | 232,000 | 615,000 | 1,109,000 | 1,703,000 |
| Net interest income | 341,000 | 799,000 | 1,489,000 | 2,459,000 |
| Noninterest income | 58,000 | 177,000 | 413,000 | 460,000 |
| Noninterest expense | 691,000 | 1,661,000 | 2,636,000 | 3,816,000 |
| Provision for loan losses | 52,000 | 241,000 | 410,000 | 533,000 |
| Pretax income | -344,000 | -926,000 | -1,144,000 | -1,430,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -344,000 | -926,000 | -1,144,000 | -1,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,657,000 | 13,143,000 | 28,087,000 | 27,848,000 |
| Total capital | 13,829,000 | 13,504,000 | 28,616,000 | 28,497,000 |
| Risk-weighted assets | 23,417,000 | 39,890,000 | 55,319,000 | 67,362,000 |