Call reports 2010
RELIANCE BANK — 2010
What RELIANCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 60,611,000 | 59,281,000 | 60,547,000 | 60,420,000 |
| Total loans | 48,700,000 | 47,770,000 | 45,498,000 | 45,489,000 |
| Allowance for loan losses | 1,057,000 | 813,000 | 1,020,000 | 1,295,000 |
| Securities available for sale | 6,220,000 | 6,978,000 | 7,367,000 | 8,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,329,000 | 50,537,000 | 52,178,000 | 52,380,000 |
| Interest-bearing deposits | 46,860,000 | 46,627,000 | 48,323,000 | 48,519,000 |
| Noninterest-bearing deposits | 3,470,000 | 3,911,000 | 3,855,000 | 3,861,000 |
| Equity capital | 8,386,000 | 8,130,000 | 7,984,000 | 7,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 810,000 | 1,602,000 | 2,386,000 | 3,173,000 |
| Interest expense | 286,000 | 569,000 | 806,000 | 1,026,000 |
| Net interest income | 524,000 | 1,033,000 | 1,580,000 | 2,147,000 |
| Noninterest income | 39,000 | 93,000 | 179,000 | 261,000 |
| Noninterest expense | 401,000 | 806,000 | 1,269,000 | 1,742,000 |
| Provision for loan losses | 125,000 | 600,000 | 928,000 | 1,292,000 |
| Pretax income | 37,000 | -280,000 | -438,000 | -626,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 37,000 | -280,000 | -439,000 | -627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,163,000 | 7,850,000 | 7,694,000 | 7,508,000 |
| Total capital | 8,794,000 | 8,455,000 | 8,286,000 | 8,130,000 |
| Risk-weighted assets | 51,875,000 | 50,107,000 | 50,649,000 | 51,051,000 |