Call reports 2020
RELIANCE BANK — 2020
What RELIANCE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 162,282,000 | 181,969,000 | 184,437,000 | 196,826,000 |
| Total loans | 130,715,000 | 147,766,000 | 142,024,000 | 134,579,000 |
| Allowance for loan losses | 1,788,000 | 1,848,000 | 1,796,000 | 1,850,000 |
| Securities available for sale | 19,396,000 | 19,198,000 | 19,266,000 | 20,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,799,000 | 152,132,000 | 157,570,000 | 173,654,000 |
| Interest-bearing deposits | 114,409,000 | 118,829,000 | 118,894,000 | 122,480,000 |
| Noninterest-bearing deposits | 23,390,000 | 33,303,000 | 38,676,000 | 51,174,000 |
| Equity capital | 16,094,000 | 17,035,000 | 17,418,000 | 18,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,875,000 | 3,708,000 | 5,515,000 | 8,105,000 |
| Interest expense | 438,000 | 817,000 | 1,178,000 | 1,572,000 |
| Net interest income | 1,437,000 | 2,891,000 | 4,337,000 | 6,533,000 |
| Noninterest income | 164,000 | 520,000 | 866,000 | 1,194,000 |
| Noninterest expense | 1,048,000 | 2,196,000 | 3,259,000 | 4,600,000 |
| Provision for loan losses | 75,000 | 314,000 | 706,000 | 1,194,000 |
| Pretax income | 478,000 | 926,000 | 1,264,000 | 1,959,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 478,000 | 924,000 | 1,262,000 | 1,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,020,000 | 16,492,000 | 16,854,000 | 17,593,000 |