Call reports 2015
RELIANT BANK — 2015
What RELIANT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 304,442,000 | 800,737,000 | 853,917,000 | 878,814,000 |
| Total loans | 252,917,000 | 615,761,000 | 638,562,000 | 671,663,000 |
| Allowance for loan losses | 3,548,000 | 7,425,000 | 7,511,000 | 7,823,000 |
| Securities available for sale | 29,487,000 | 109,790,000 | 126,769,000 | 130,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,940,000 | 602,157,000 | 609,016,000 | 640,301,000 |
| Interest-bearing deposits | 210,793,000 | 504,723,000 | 512,944,000 | 526,351,000 |
| Noninterest-bearing deposits | 36,147,000 | 97,434,000 | 96,072,000 | 113,950,000 |
| Equity capital | 35,931,000 | 91,790,000 | 94,597,000 | 96,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,162,000 | 12,511,000 | 20,887,000 | 29,550,000 |
| Interest expense | 419,000 | 1,148,000 | 1,912,000 | 2,773,000 |
| Net interest income | 2,743,000 | 11,363,000 | 18,975,000 | 26,777,000 |
| Noninterest income | 344,000 | 5,411,000 | 9,523,000 | 13,106,000 |
| Noninterest expense | 1,977,000 | 13,259,000 | 21,660,000 | 30,099,000 |
| Provision for loan losses | 115,000 | -500,000 | -500,000 | -270,000 |
| Pretax income | 995,000 | 3,619,000 | 6,957,000 | 9,666,000 |
| Income tax | 342,000 | 1,116,000 | 1,930,000 | 2,717,000 |
| Net income | 653,000 | 2,606,000 | 4,623,000 | 6,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,265,000 | 80,824,000 | 83,217,000 | 84,196,000 |
| Total capital | 38,305,000 | 88,249,000 | 90,728,000 | 92,019,000 |
| Risk-weighted assets | 242,755,000 | 612,296,000 | 680,722,000 | 703,569,000 |