Call reports 2014
RELIANT BANK — 2014
What RELIANT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 263,349,000 | 274,585,000 | 278,457,000 | 295,168,000 |
| Total loans | 221,299,000 | 228,729,000 | 237,249,000 | 244,650,000 |
| Allowance for loan losses | 2,977,000 | 3,187,000 | 3,328,000 | 3,433,000 |
| Securities available for sale | 26,054,000 | 26,381,000 | 27,142,000 | 27,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,576,000 | 216,634,000 | 218,454,000 | 236,993,000 |
| Interest-bearing deposits | 179,519,000 | 184,750,000 | 188,564,000 | 200,180,000 |
| Noninterest-bearing deposits | 26,057,000 | 31,884,000 | 29,890,000 | 36,813,000 |
| Equity capital | 34,474,000 | 34,912,000 | 35,467,000 | 35,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,852,000 | 5,885,000 | 9,130,000 | 12,345,000 |
| Interest expense | 424,000 | 858,000 | 1,301,000 | 1,743,000 |
| Net interest income | 2,428,000 | 5,027,000 | 7,829,000 | 10,602,000 |
| Noninterest income | 304,000 | 585,000 | 961,000 | 1,284,000 |
| Noninterest expense | 1,814,000 | 3,569,000 | 5,369,000 | 7,259,000 |
| Provision for loan losses | 109,000 | 319,000 | 460,000 | 565,000 |
| Pretax income | 809,000 | 1,724,000 | 2,961,000 | 4,062,000 |
| Income tax | 262,000 | 559,000 | 976,000 | 1,162,000 |
| Net income | 547,000 | 1,165,000 | 1,985,000 | 2,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,098,000 | 34,391,000 | 34,875,000 | 34,913,000 |
| Total capital | 36,866,000 | 37,273,000 | 37,829,000 | 37,993,000 |
| Risk-weighted assets | 222,140,000 | 230,318,000 | 236,462,000 | 246,502,000 |