Call reports 2019
RELIANCE BANK — 2019
What RELIANCE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 145,551,000 | 151,919,000 | 164,924,000 | 155,736,000 |
| Total loans | 118,836,000 | 122,262,000 | 120,761,000 | 123,078,000 |
| Allowance for loan losses | 2,059,000 | 2,087,000 | 1,479,000 | 1,614,000 |
| Securities available for sale | 16,611,000 | 17,319,000 | 19,137,000 | 19,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,439,000 | 128,094,000 | 141,770,000 | 133,095,000 |
| Interest-bearing deposits | 103,482,000 | 106,787,000 | 110,452,000 | 111,183,000 |
| Noninterest-bearing deposits | 17,957,000 | 21,306,000 | 31,318,000 | 21,913,000 |
| Equity capital | 14,495,000 | 15,154,000 | 15,478,000 | 16,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,701,000 | 3,533,000 | 5,360,000 | 7,178,000 |
| Interest expense | 414,000 | 855,000 | 1,326,000 | 1,776,000 |
| Net interest income | 1,287,000 | 2,678,000 | 4,034,000 | 5,402,000 |
| Noninterest income | 99,000 | 244,000 | 359,000 | 554,000 |
| Noninterest expense | 911,000 | 1,852,000 | 2,819,000 | 3,715,000 |
| Provision for loan losses | 342,000 | 487,000 | 722,000 | 850,000 |
| Pretax income | 133,000 | 583,000 | 852,000 | 1,391,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 133,000 | 581,000 | 850,000 | 1,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,595,000 | 15,071,000 | 15,368,000 | 15,934,000 |
| Total capital | 16,119,000 | 16,634,000 | 16,847,000 | 17,505,000 |
| Risk-weighted assets | 121,360,000 | 124,538,000 | 125,345,000 | 125,608,000 |