Call reports 2011
RELIANCE BANK — 2011
What RELIANCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 59,916,000 | 60,788,000 | 60,569,000 | 61,411,000 |
| Total loans | 44,044,000 | 44,103,000 | 45,275,000 | 42,075,000 |
| Allowance for loan losses | 1,355,000 | 1,173,000 | 1,208,000 | 1,288,000 |
| Securities available for sale | 9,425,000 | 8,797,000 | 8,967,000 | 9,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,817,000 | 52,295,000 | 52,135,000 | 53,092,000 |
| Interest-bearing deposits | 47,264,000 | 48,085,000 | 46,987,000 | 47,757,000 |
| Noninterest-bearing deposits | 4,553,000 | 4,210,000 | 5,148,000 | 5,335,000 |
| Equity capital | 7,731,000 | 7,833,000 | 8,108,000 | 7,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 751,000 | 1,499,000 | 2,255,000 | 2,971,000 |
| Interest expense | 206,000 | 395,000 | 563,000 | 720,000 |
| Net interest income | 545,000 | 1,104,000 | 1,692,000 | 2,251,000 |
| Noninterest income | 36,000 | 103,000 | 218,000 | 341,000 |
| Noninterest expense | 452,000 | 967,000 | 1,433,000 | 1,949,000 |
| Provision for loan losses | 60,000 | 214,000 | 254,000 | 537,000 |
| Pretax income | 69,000 | 26,000 | 239,000 | 122,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 69,000 | 26,000 | 238,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,580,000 | 7,540,000 | 7,756,000 | 7,642,000 |
| Total capital | 8,169,000 | 8,121,000 | 8,357,000 | 8,220,000 |
| Risk-weighted assets | 48,228,000 | 47,808,000 | 50,681,000 | 49,377,000 |