Call reports 2003
RELIANCE BANK — 2003
What RELIANCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 26,567,000 | 29,387,000 | 29,243,000 | 30,173,000 |
| Total loans | 17,534,000 | 17,269,000 | 17,472,000 | 16,502,000 |
| Allowance for loan losses | 243,000 | 244,000 | 244,000 | 244,000 |
| Securities available for sale | 5,522,000 | 4,383,000 | 5,060,000 | 4,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,607,000 | 22,437,000 | 22,901,000 | 23,908,000 |
| Interest-bearing deposits | 21,669,000 | 21,431,000 | 22,105,000 | 22,870,000 |
| Noninterest-bearing deposits | 938,000 | 1,006,000 | 796,000 | 1,038,000 |
| Equity capital | 2,605,000 | 5,630,000 | 5,597,000 | 5,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 390,000 | 105,000 | 417,000 | 727,000 |
| Interest expense | 158,000 | 53,000 | 211,000 | 365,000 |
| Net interest income | 232,000 | 52,000 | 206,000 | 362,000 |
| Noninterest income | 13,000 | 1,000 | 17,000 | 22,000 |
| Noninterest expense | 213,000 | 56,000 | 245,000 | 411,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 32,000 | -3,000 | -22,000 | -27,000 |
| Income tax | 10,000 | 6,000 | -1,000 | 4,000 |
| Net income | 22,000 | -9,000 | -21,000 | -23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,296,000 | 4,060,000 | 4,030,000 | 4,051,000 |
| Total capital | 2,492,000 | 4,275,000 | 4,240,000 | 4,259,000 |
| Risk-weighted assets | 15,660,000 | 17,139,000 | 16,759,000 | 16,601,000 |