Call reports 2009
RELIANCE BANK — 2009
What RELIANCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 60,272,000 | 62,129,000 | 61,175,000 | 59,968,000 |
| Total loans | 45,639,000 | 48,135,000 | 48,716,000 | 48,947,000 |
| Allowance for loan losses | 485,000 | 600,000 | 995,000 | 932,000 |
| Securities available for sale | 5,796,000 | 6,071,000 | 6,098,000 | 5,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,209,000 | 50,375,000 | 49,815,000 | 48,760,000 |
| Interest-bearing deposits | 45,716,000 | 47,366,000 | 45,849,000 | 45,290,000 |
| Noninterest-bearing deposits | 2,493,000 | 3,009,000 | 3,966,000 | 3,470,000 |
| Equity capital | 8,685,000 | 8,623,000 | 8,276,000 | 8,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,625,000 | 2,418,000 | 3,248,000 |
| Interest expense | 363,000 | 732,000 | 1,077,000 | 1,396,000 |
| Net interest income | 418,000 | 893,000 | 1,341,000 | 1,852,000 |
| Noninterest income | 8,000 | 19,000 | -6,000 | -10,000 |
| Noninterest expense | 411,000 | 846,000 | 1,270,000 | 1,689,000 |
| Provision for loan losses | 40,000 | 155,000 | 583,000 | 620,000 |
| Pretax income | -25,000 | -89,000 | -518,000 | -467,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | -25,000 | -89,000 | -518,000 | -469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,554,000 | 8,490,000 | 8,061,000 | 8,123,000 |
| Total capital | 9,039,000 | 9,090,000 | 8,697,000 | 8,757,000 |
| Risk-weighted assets | 48,145,000 | 50,001,000 | 49,739,000 | 49,636,000 |