Call reports 2001
RELIANCE BANK — 2001
What RELIANCE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 19,162,000 | 21,626,000 | 23,462,000 | 23,143,000 |
| Total loans | 7,713,000 | 7,735,000 | 8,162,000 | 9,287,000 |
| Allowance for loan losses | 102,000 | 125,000 | 114,000 | 124,000 |
| Securities available for sale | 3,820,000 | 5,107,000 | 7,145,000 | 8,775,000 |
| Securities held to maturity | 1,538,000 | 1,540,000 | 1,292,000 | 1,294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,846,000 | 18,041,000 | 19,054,000 | 19,426,000 |
| Interest-bearing deposits | 14,957,000 | 17,236,000 | 18,354,000 | 18,553,000 |
| Noninterest-bearing deposits | 889,000 | 805,000 | 700,000 | 873,000 |
| Equity capital | 2,700,000 | 2,624,000 | 2,627,000 | 2,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 285,000 | 602,000 | 917,000 | 1,247,000 |
| Interest expense | 214,000 | 450,000 | 672,000 | 886,000 |
| Net interest income | 71,000 | 152,000 | 245,000 | 361,000 |
| Noninterest income | 27,000 | 50,000 | 62,000 | 67,000 |
| Noninterest expense | 182,000 | 369,000 | 542,000 | 731,000 |
| Provision for loan losses | 15,000 | 42,000 | 42,000 | 47,000 |
| Pretax income | -99,000 | -209,000 | -277,000 | -350,000 |
| Income tax | -25,000 | -53,000 | -64,000 | -87,000 |
| Net income | -74,000 | -156,000 | -213,000 | -263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,426,000 | 2,312,000 | 2,311,000 | 2,331,000 |
| Total capital | 2,528,000 | 2,437,000 | 2,425,000 | 2,455,000 |
| Risk-weighted assets | 9,416,000 | 10,251,000 | 10,805,000 | 11,542,000 |