Call reports 2005
RELIANCE BANK — 2005
What RELIANCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Total assets | 42,248,000 | 53,619,000 | 58,316,000 |
| Total loans | 27,575,000 | 29,175,000 | 28,179,000 |
| Allowance for loan losses | 316,000 | 350,000 | 352,000 |
| Securities available for sale | 3,459,000 | 2,967,000 | 2,715,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 35,987,000 | 47,221,000 | 51,757,000 |
| Interest-bearing deposits | 34,978,000 | 46,225,000 | 50,652,000 |
| Noninterest-bearing deposits | 1,009,000 | 996,000 | 1,105,000 |
| Equity capital | 5,633,000 | 5,672,000 | 5,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Interest income | 479,000 | 1,050,000 | 1,708,000 |
| Interest expense | 184,000 | 440,000 | 804,000 |
| Net interest income | 295,000 | 610,000 | 904,000 |
| Noninterest income | 16,000 | 25,000 | 35,000 |
| Noninterest expense | 224,000 | 447,000 | 684,000 |
| Provision for loan losses | 5,000 | 57,000 | 71,000 |
| Pretax income | 82,000 | 131,000 | 184,000 |
| Income tax | 31,000 | 49,000 | 67,000 |
| Net income | 51,000 | 82,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 4,138,000 | 4,189,000 | 4,231,000 |
| Total capital | 4,454,000 | 4,539,000 | 4,583,000 |
| Risk-weighted assets | 27,684,000 | 31,754,000 | 31,750,000 |