Call reports 2015
RELIANCE BANK — 2015
What RELIANCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,039,000 | 93,376,000 | 93,839,000 | 99,428,000 |
| Total loans | 63,011,000 | 71,375,000 | 70,727,000 | 74,421,000 |
| Allowance for loan losses | 885,000 | 884,000 | 868,000 | 900,000 |
| Securities available for sale | 13,579,000 | 13,117,000 | 12,424,000 | 13,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,293,000 | 80,135,000 | 83,472,000 | 88,746,000 |
| Interest-bearing deposits | 68,595,000 | 69,956,000 | 69,531,000 | 74,154,000 |
| Noninterest-bearing deposits | 10,698,000 | 10,179,000 | 13,942,000 | 14,592,000 |
| Equity capital | 10,485,000 | 9,847,000 | 10,132,000 | 10,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 896,000 | 1,879,000 | 2,876,000 | 3,904,000 |
| Interest expense | 104,000 | 207,000 | 309,000 | 411,000 |
| Net interest income | 792,000 | 1,672,000 | 2,567,000 | 3,493,000 |
| Noninterest income | 119,000 | 257,000 | 299,000 | 476,000 |
| Noninterest expense | 558,000 | 1,149,000 | 1,763,000 | 2,397,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 170,000 |
| Pretax income | 353,000 | 782,000 | 1,101,000 | 1,410,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 353,000 | 782,000 | 1,100,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,236,000 | 9,746,000 | 9,954,000 | 10,263,000 |
| Total capital | 11,121,000 | 10,630,000 | 10,822,000 | 11,163,000 |
| Risk-weighted assets | 85,297,000 | 91,148,000 | 91,505,000 | 97,699,000 |