Call reports 2014
RELIANCE BANK — 2014
What RELIANCE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 82,839,000 | 79,768,000 | 84,313,000 | 87,648,000 |
| Total loans | 57,356,000 | 59,706,000 | 58,955,000 | 64,072,000 |
| Allowance for loan losses | 936,000 | 962,000 | 933,000 | 884,000 |
| Securities available for sale | 11,589,000 | 12,085,000 | 11,342,000 | 11,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,793,000 | 70,383,000 | 74,534,000 | 77,264,000 |
| Interest-bearing deposits | 65,375,000 | 61,027,000 | 62,326,000 | 65,230,000 |
| Noninterest-bearing deposits | 8,418,000 | 9,356,000 | 12,208,000 | 12,034,000 |
| Equity capital | 8,750,000 | 9,128,000 | 9,473,000 | 10,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 813,000 | 1,674,000 | 2,537,000 | 3,462,000 |
| Interest expense | 111,000 | 215,000 | 315,000 | 420,000 |
| Net interest income | 702,000 | 1,459,000 | 2,222,000 | 3,042,000 |
| Noninterest income | 84,000 | 216,000 | 336,000 | 686,000 |
| Noninterest expense | 491,000 | 1,041,000 | 1,580,000 | 2,170,000 |
| Provision for loan losses | 72,000 | 97,000 | 97,000 | 97,000 |
| Pretax income | 223,000 | 537,000 | 883,000 | 1,463,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 223,000 | 537,000 | 883,000 | 1,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,644,000 | 8,957,000 | 9,304,000 | 9,884,000 |
| Total capital | 9,427,000 | 9,757,000 | 10,104,000 | 10,732,000 |
| Risk-weighted assets | 76,169,000 | 78,612,000 | 78,781,000 | 83,460,000 |