Call reports 2012
RELIANCE BANK — 2012
What RELIANCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 61,255,000 | 65,607,000 | 66,540,000 | 68,928,000 |
| Total loans | 44,239,000 | 42,463,000 | 45,334,000 | 48,494,000 |
| Allowance for loan losses | 1,290,000 | 934,000 | 914,000 | 918,000 |
| Securities available for sale | 9,677,000 | 10,719,000 | 10,614,000 | 9,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,128,000 | 56,829,000 | 57,598,000 | 59,493,000 |
| Interest-bearing deposits | 47,887,000 | 50,508,000 | 49,200,000 | 52,614,000 |
| Noninterest-bearing deposits | 4,242,000 | 6,321,000 | 8,398,000 | 6,879,000 |
| Equity capital | 8,187,000 | 8,302,000 | 8,581,000 | 8,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 704,000 | 1,404,000 | 2,110,000 | 2,867,000 |
| Interest expense | 144,000 | 287,000 | 424,000 | 549,000 |
| Net interest income | 560,000 | 1,117,000 | 1,686,000 | 2,318,000 |
| Noninterest income | 127,000 | 174,000 | 281,000 | 422,000 |
| Noninterest expense | 462,000 | 968,000 | 1,443,000 | 1,967,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 75,000 |
| Pretax income | 225,000 | 323,000 | 519,000 | 722,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 225,000 | 322,000 | 518,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,870,000 | 7,970,000 | 8,170,000 | 8,376,000 |
| Total capital | 8,463,000 | 8,556,000 | 8,786,000 | 9,041,000 |
| Risk-weighted assets | 51,140,000 | 51,618,000 | 54,750,000 | 60,251,000 |