Call reports 2013
RELIANCE BANK — 2013
What RELIANCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 69,540,000 | 72,280,000 | 75,731,000 | 74,623,000 |
| Total loans | 51,372,000 | 54,642,000 | 53,193,000 | 55,418,000 |
| Allowance for loan losses | 951,000 | 982,000 | 982,000 | 864,000 |
| Securities available for sale | 9,104,000 | 8,377,000 | 8,771,000 | 10,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,319,000 | 61,492,000 | 66,403,000 | 65,821,000 |
| Interest-bearing deposits | 52,400,000 | 54,123,000 | 57,683,000 | 58,069,000 |
| Noninterest-bearing deposits | 7,920,000 | 7,369,000 | 8,720,000 | 7,752,000 |
| Equity capital | 8,922,000 | 8,955,000 | 9,050,000 | 8,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 747,000 | 1,554,000 | 2,354,000 | 3,158,000 |
| Interest expense | 110,000 | 217,000 | 324,000 | 432,000 |
| Net interest income | 637,000 | 1,337,000 | 2,030,000 | 2,726,000 |
| Noninterest income | 116,000 | 222,000 | 111,000 | 38,000 |
| Noninterest expense | 493,000 | 1,035,000 | 1,545,000 | 2,091,000 |
| Provision for loan losses | 33,000 | 64,000 | 64,000 | 644,000 |
| Pretax income | 231,000 | 464,000 | 536,000 | 33,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 231,000 | 463,000 | 535,000 | 32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,610,000 | 8,845,000 | 8,920,000 | 8,421,000 |
| Total capital | 9,298,000 | 9,583,000 | 9,662,000 | 9,155,000 |
| Risk-weighted assets | 64,695,000 | 68,579,000 | 69,749,000 | 71,380,000 |