Call reports 2002
RELIANCE BANK — 2002
What RELIANCE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 21,745,000 | 23,520,000 | 26,575,000 | 26,185,000 |
| Total loans | 12,459,000 | 14,972,000 | 17,438,000 | 17,556,000 |
| Allowance for loan losses | 234,000 | 243,000 | 243,000 | 243,000 |
| Securities available for sale | 6,249,000 | 5,555,000 | 5,839,000 | 5,818,000 |
| Securities held to maturity | 1,046,000 | 797,000 | 549,000 | 299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,049,000 | 18,942,000 | 22,446,000 | 22,471,000 |
| Interest-bearing deposits | 17,172,000 | 18,042,000 | 21,305,000 | 21,483,000 |
| Noninterest-bearing deposits | 877,000 | 900,000 | 1,141,000 | 988,000 |
| Equity capital | 2,432,000 | 2,534,000 | 2,610,000 | 2,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 354,000 | 708,000 | 1,105,000 | 1,507,000 |
| Interest expense | 166,000 | 314,000 | 486,000 | 664,000 |
| Net interest income | 188,000 | 394,000 | 619,000 | 843,000 |
| Noninterest income | 12,000 | 39,000 | 55,000 | 68,000 |
| Noninterest expense | 175,000 | 362,000 | 548,000 | 778,000 |
| Provision for loan losses | 109,000 | 113,000 | 113,000 | 113,000 |
| Pretax income | -63,000 | -18,000 | 37,000 | 44,000 |
| Income tax | 0 | 0 | 0 | 4,000 |
| Net income | -63,000 | -18,000 | 37,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,132,000 | 2,205,000 | 2,271,000 | 2,276,000 |
| Total capital | 2,286,000 | 2,380,000 | 2,475,000 | 2,475,000 |
| Risk-weighted assets | 12,236,000 | 14,000,000 | 16,250,000 | 15,798,000 |