Call reports 2016
RELIANT BANK — 2016
What RELIANT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 868,517,000 | 882,567,000 | 919,896,000 | 911,063,000 |
| Total loans | 647,415,000 | 664,238,000 | 675,895,000 | 678,615,000 |
| Allowance for loan losses | 8,090,000 | 8,688,000 | 8,801,000 | 9,082,000 |
| Securities available for sale | 136,648,000 | 144,425,000 | 151,566,000 | 143,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 657,984,000 | 647,902,000 | 659,933,000 | 764,000,000 |
| Interest-bearing deposits | 539,220,000 | 511,512,000 | 518,639,000 | 625,892,000 |
| Noninterest-bearing deposits | 118,764,000 | 136,390,000 | 141,294,000 | 138,108,000 |
| Equity capital | 101,472,000 | 105,370,000 | 108,367,000 | 105,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,914,000 | 18,411,000 | 27,067,000 | 36,014,000 |
| Interest expense | 832,000 | 1,636,000 | 2,458,000 | 3,362,000 |
| Net interest income | 8,082,000 | 16,775,000 | 24,609,000 | 32,652,000 |
| Noninterest income | 3,847,000 | 6,296,000 | 7,574,000 | 8,763,000 |
| Noninterest expense | 8,279,000 | 15,879,000 | 22,400,000 | 28,807,000 |
| Provision for loan losses | 165,000 | 615,000 | 760,000 | 967,000 |
| Pretax income | 3,485,000 | 6,637,000 | 9,379,000 | 11,677,000 |
| Income tax | 740,000 | 1,533,000 | 2,324,000 | 2,962,000 |
| Net income | 2,424,000 | 5,006,000 | 7,562,000 | 9,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,820,000 | 91,834,000 | 95,264,000 | 95,637,000 |
| Total capital | 96,910,000 | 100,522,000 | 104,065,000 | 104,719,000 |
| Risk-weighted assets | 696,685,000 | 735,536,000 | 734,802,000 | 742,640,000 |