Call reports 2004
RELIANCE BANK — 2004
What RELIANCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 30,093,000 | 31,966,000 | 34,292,000 | 42,465,000 |
| Total loans | 19,510,000 | 20,705,000 | 24,113,000 | 26,542,000 |
| Allowance for loan losses | 254,000 | 246,000 | 265,000 | 309,000 |
| Securities available for sale | 4,138,000 | 3,768,000 | 3,521,000 | 3,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,759,000 | 25,806,000 | 27,983,000 | 36,200,000 |
| Interest-bearing deposits | 22,428,000 | 24,283,000 | 26,863,000 | 35,319,000 |
| Noninterest-bearing deposits | 1,331,000 | 1,523,000 | 1,120,000 | 881,000 |
| Equity capital | 5,642,000 | 5,587,000 | 5,594,000 | 5,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 639,000 | 990,000 | 1,455,000 |
| Interest expense | 131,000 | 254,000 | 396,000 | 578,000 |
| Net interest income | 178,000 | 385,000 | 594,000 | 877,000 |
| Noninterest income | 22,000 | 49,000 | 79,000 | 97,000 |
| Noninterest expense | 191,000 | 415,000 | 638,000 | 854,000 |
| Provision for loan losses | 10,000 | 32,000 | 63,000 | 111,000 |
| Pretax income | -1,000 | -13,000 | -28,000 | 9,000 |
| Income tax | -1,000 | -5,000 | -10,000 | 3,000 |
| Net income | 0 | -8,000 | -18,000 | 6,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,056,000 | 4,031,000 | 4,003,000 | 4,069,000 |
| Total capital | 4,300,000 | 4,277,000 | 4,269,000 | 4,378,000 |
| Risk-weighted assets | 19,474,000 | 20,800,000 | 23,782,000 | 26,748,000 |