Call reports 2009
RELIANT BANK — 2009
What RELIANT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 127,649,000 | 135,949,000 | 141,991,000 | 148,141,000 |
| Total loans | 79,159,000 | 82,829,000 | 92,298,000 | 98,440,000 |
| Allowance for loan losses | 995,000 | 1,050,000 | 1,191,000 | 1,282,000 |
| Securities available for sale | 41,226,000 | 39,848,000 | 37,868,000 | 38,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,144,000 | 89,637,000 | 93,562,000 | 100,659,000 |
| Interest-bearing deposits | 67,431,000 | 71,313,000 | 76,661,000 | 81,984,000 |
| Noninterest-bearing deposits | 15,713,000 | 18,324,000 | 16,901,000 | 18,676,000 |
| Equity capital | 28,928,000 | 28,547,000 | 30,634,000 | 30,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,643,000 | 3,292,000 | 5,072,000 | 6,922,000 |
| Interest expense | 570,000 | 1,091,000 | 1,604,000 | 2,122,000 |
| Net interest income | 1,073,000 | 2,201,000 | 3,468,000 | 4,800,000 |
| Noninterest income | 132,000 | 315,000 | 497,000 | 688,000 |
| Noninterest expense | 1,103,000 | 2,294,000 | 3,507,000 | 4,769,000 |
| Provision for loan losses | 0 | 56,000 | 197,000 | 290,000 |
| Pretax income | 109,000 | 32,000 | 154,000 | 322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 109,000 | 32,000 | 154,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,011,000 | 28,070,000 | 29,584,000 | 29,781,000 |
| Total capital | 29,005,000 | 29,120,000 | 30,775,000 | 31,063,000 |
| Risk-weighted assets | 91,274,000 | 92,481,000 | 98,660,000 | 105,064,000 |