Call reports 2012
RELIANCE BANK, FSB — 2012
What RELIANCE BANK, FSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 66,272,000 | 62,616,000 | 59,422,000 | 59,252,000 |
| Total loans | 30,372,000 | 25,537,000 | 24,121,000 | 23,275,000 |
| Allowance for loan losses | 3,365,000 | 3,477,000 | 3,770,000 | 3,281,000 |
| Securities available for sale | 21,920,000 | 27,521,000 | 26,905,000 | 27,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,454,000 | 56,800,000 | 53,579,000 | 52,474,000 |
| Interest-bearing deposits | 58,296,000 | 54,451,000 | 51,854,000 | 50,564,000 |
| Noninterest-bearing deposits | 2,158,000 | 2,349,000 | 1,725,000 | 1,910,000 |
| Equity capital | 3,559,000 | 3,476,000 | 3,433,000 | 4,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 535,000 | 1,000,000 | 1,437,000 | 1,850,000 |
| Interest expense | 141,000 | 273,000 | 397,000 | 509,000 |
| Net interest income | 394,000 | 727,000 | 1,040,000 | 1,341,000 |
| Noninterest income | 15,000 | -42,000 | -16,000 | 33,000 |
| Noninterest expense | 457,000 | 864,000 | 1,293,000 | 1,683,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | -1,030,000 |
| Pretax income | 442,000 | 281,000 | 181,000 | 1,241,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 442,000 | 281,000 | 181,000 | 1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,406,000 | 3,245,000 | 3,145,000 | 4,205,000 |
| Total capital | 3,882,000 | 3,661,000 | 3,547,000 | 4,593,000 |
| Risk-weighted assets | 35,156,000 | 30,248,000 | 28,790,000 | 28,151,000 |