Call reports 2013
RELIANT BANK — 2013
What RELIANT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 233,425,000 | 235,115,000 | 239,531,000 | 253,147,000 |
| Total loans | 191,664,000 | 198,800,000 | 204,173,000 | 213,207,000 |
| Allowance for loan losses | 2,593,000 | 2,728,000 | 2,784,000 | 2,868,000 |
| Securities available for sale | 25,855,000 | 23,585,000 | 22,805,000 | 24,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,160,000 | 181,141,000 | 186,314,000 | 197,044,000 |
| Interest-bearing deposits | 153,140,000 | 151,176,000 | 158,896,000 | 165,442,000 |
| Noninterest-bearing deposits | 29,019,000 | 29,966,000 | 27,418,000 | 31,602,000 |
| Equity capital | 33,509,000 | 33,719,000 | 34,225,000 | 33,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,702,000 | 5,422,000 | 8,270,000 | 11,142,000 |
| Interest expense | 457,000 | 886,000 | 1,315,000 | 1,745,000 |
| Net interest income | 2,245,000 | 4,536,000 | 6,955,000 | 9,397,000 |
| Noninterest income | 274,000 | 563,000 | 814,000 | 1,053,000 |
| Noninterest expense | 1,705,000 | 3,428,000 | 5,131,000 | 6,933,000 |
| Provision for loan losses | 96,000 | 231,000 | 294,000 | 522,000 |
| Pretax income | 718,000 | 1,440,000 | 2,344,000 | 2,995,000 |
| Income tax | 247,000 | 495,000 | 813,000 | 1,031,000 |
| Net income | 471,000 | 945,000 | 1,531,000 | 1,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,857,000 | 33,319,000 | 33,892,000 | 33,701,000 |
| Total capital | 35,249,000 | 35,788,000 | 36,424,000 | 36,362,000 |
| Risk-weighted assets | 190,363,000 | 197,226,000 | 202,287,000 | 212,651,000 |