Call reports 2008
RELIANT BANK — 2008
What RELIANT BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 109,610,000 | 111,102,000 | 120,871,000 | 132,682,000 |
| Total loans | 62,176,000 | 66,075,000 | 76,884,000 | 79,096,000 |
| Allowance for loan losses | 777,000 | 826,000 | 962,000 | 997,000 |
| Securities available for sale | 39,446,000 | 33,445,000 | 33,444,000 | 42,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,435,000 | 73,286,000 | 81,380,000 | 87,067,000 |
| Interest-bearing deposits | 62,245,000 | 64,619,000 | 72,648,000 | 76,942,000 |
| Noninterest-bearing deposits | 8,190,000 | 8,666,000 | 8,732,000 | 10,125,000 |
| Equity capital | 28,456,000 | 27,327,000 | 27,491,000 | 28,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,568,000 | 3,103,000 | 4,678,000 | 6,326,000 |
| Interest expense | 650,000 | 1,242,000 | 1,842,000 | 2,483,000 |
| Net interest income | 918,000 | 1,861,000 | 2,836,000 | 3,843,000 |
| Noninterest income | 106,000 | 219,000 | 365,000 | 493,000 |
| Noninterest expense | 994,000 | 2,023,000 | 3,219,000 | 4,279,000 |
| Provision for loan losses | 129,000 | 178,000 | 329,000 | 364,000 |
| Pretax income | -99,000 | -93,000 | -319,000 | -194,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -99,000 | -93,000 | -319,000 | -194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,815,000 | 27,870,000 | 27,681,000 | 27,851,000 |
| Total capital | 28,592,000 | 28,696,000 | 28,643,000 | 28,848,000 |
| Risk-weighted assets | 76,295,000 | 79,243,000 | 91,116,000 | 92,534,000 |