Call reports 2016
RELIANCE BANK — 2016
What RELIANCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 103,324,000 | 106,571,000 | 116,165,000 | 121,214,000 |
| Total loans | 81,906,000 | 83,698,000 | 86,466,000 | 90,705,000 |
| Allowance for loan losses | 946,000 | 1,130,000 | 1,148,000 | 1,193,000 |
| Securities available for sale | 12,506,000 | 12,628,000 | 14,212,000 | 15,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,136,000 | 88,806,000 | 102,375,000 | 107,413,000 |
| Interest-bearing deposits | 74,519,000 | 76,031,000 | 85,726,000 | 88,820,000 |
| Noninterest-bearing deposits | 11,617,000 | 12,775,000 | 16,649,000 | 18,593,000 |
| Equity capital | 10,530,000 | 10,997,000 | 11,487,000 | 11,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,076,000 | 2,222,000 | 3,384,000 | 4,556,000 |
| Interest expense | 107,000 | 227,000 | 359,000 | 497,000 |
| Net interest income | 969,000 | 1,995,000 | 3,025,000 | 4,059,000 |
| Noninterest income | 93,000 | 201,000 | 392,000 | 569,000 |
| Noninterest expense | 665,000 | 1,322,000 | 2,051,000 | 2,798,000 |
| Provision for loan losses | 45,000 | 90,000 | 90,000 | 135,000 |
| Pretax income | 355,000 | 787,000 | 1,279,000 | 1,698,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 355,000 | 786,000 | 1,278,000 | 1,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,337,000 | 10,767,000 | 11,259,000 | 11,679,000 |
| Total capital | 11,283,000 | 11,897,000 | 12,407,000 | 12,872,000 |
| Risk-weighted assets | 104,030,000 | 105,317,000 | 108,540,000 | 112,888,000 |