Call reports 2023
RELIANCE BANK — 2023
What RELIANCE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 242,042,000 | 248,795,000 | 253,000,000 | 262,144,000 |
| Total loans | 209,486,000 | 218,324,000 | 222,057,000 | 226,366,000 |
| Allowance for loan losses | 3,026,000 | 3,176,000 | 3,612,000 | 3,721,000 |
| Securities available for sale | 23,446,000 | 22,760,000 | 19,176,000 | 23,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,627,000 | 221,385,000 | 221,799,000 | 217,922,000 |
| Interest-bearing deposits | 169,172,000 | 170,094,000 | 181,920,000 | 181,462,000 |
| Noninterest-bearing deposits | 45,456,000 | 51,291,000 | 39,879,000 | 36,460,000 |
| Equity capital | 20,975,000 | 19,994,000 | 20,298,000 | 21,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,116,000 | 6,500,000 | 9,925,000 | 13,821,000 |
| Interest expense | 682,000 | 1,775,000 | 3,102,000 | 4,683,000 |
| Net interest income | 2,434,000 | 4,725,000 | 6,823,000 | 9,138,000 |
| Noninterest income | 260,000 | 455,000 | 1,482,000 | 1,705,000 |
| Noninterest expense | 1,773,000 | 3,726,000 | 5,545,000 | 7,612,000 |
| Provision for loan losses | 70,000 | 230,000 | 787,000 | 892,000 |
| Pretax income | 851,000 | 1,224,000 | 1,634,000 | 2,000,000 |
| Income tax | 96,000 | 142,000 | 160,000 | 161,000 |
| Net income | 755,000 | 1,082,000 | 1,474,000 | 1,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,443,000 | 22,931,000 | 23,200,000 | 23,573,000 |