Call reports 2012
RELIANT BANK — 2012
What RELIANT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 217,760,000 | 215,883,000 | 226,113,000 | 231,827,000 |
| Total loans | 163,432,000 | 170,876,000 | 179,362,000 | 186,233,000 |
| Allowance for loan losses | 2,288,000 | 2,445,000 | 2,421,000 | 2,517,000 |
| Securities available for sale | 36,569,000 | 34,410,000 | 31,402,000 | 29,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,854,000 | 164,558,000 | 171,317,000 | 178,565,000 |
| Interest-bearing deposits | 139,093,000 | 137,648,000 | 145,444,000 | 148,009,000 |
| Noninterest-bearing deposits | 27,761,000 | 26,910,000 | 25,873,000 | 30,556,000 |
| Equity capital | 32,510,000 | 32,906,000 | 33,245,000 | 33,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,560,000 | 5,205,000 | 7,906,000 | 10,651,000 |
| Interest expense | 571,000 | 1,089,000 | 1,607,000 | 2,123,000 |
| Net interest income | 1,989,000 | 4,116,000 | 6,299,000 | 8,528,000 |
| Noninterest income | 203,000 | 465,000 | 716,000 | 977,000 |
| Noninterest expense | 1,587,000 | 3,223,000 | 4,887,000 | 6,571,000 |
| Provision for loan losses | 103,000 | 271,000 | 584,000 | 679,000 |
| Pretax income | 523,000 | 1,112,000 | 1,578,000 | 2,289,000 |
| Income tax | 91,000 | 303,000 | 463,000 | 688,000 |
| Net income | 432,000 | 809,000 | 1,115,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,753,000 | 32,091,000 | 32,374,000 | 32,386,000 |
| Total capital | 33,802,000 | 34,221,000 | 34,621,000 | 34,730,000 |
| Risk-weighted assets | 164,151,000 | 170,145,000 | 179,601,000 | 187,369,000 |