Call reports 2002
RELYANCE BANK — 2002
What RELYANCE 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 | 212,731,000 | 225,380,000 | 230,976,000 | 234,090,000 |
| Total loans | 126,700,000 | 139,451,000 | 145,594,000 | 134,669,000 |
| Allowance for loan losses | 1,845,000 | 1,977,000 | 1,178,000 | 1,449,000 |
| Securities available for sale | 40,905,000 | 41,229,000 | 40,466,000 | 40,420,000 |
| Securities held to maturity | 13,432,000 | 15,910,000 | 17,635,000 | 20,813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,267,000 | 203,326,000 | 208,025,000 | 210,335,000 |
| Interest-bearing deposits | 156,748,000 | 167,201,000 | 173,215,000 | 173,936,000 |
| Noninterest-bearing deposits | 34,519,000 | 36,125,000 | 34,810,000 | 36,399,000 |
| Equity capital | 16,984,000 | 17,832,000 | 18,463,000 | 19,124,000 |
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 | 3,048,000 | 6,346,000 | 9,636,000 | 12,853,000 |
| Interest expense | 1,024,000 | 1,950,000 | 2,844,000 | 3,690,000 |
| Net interest income | 2,024,000 | 4,396,000 | 6,792,000 | 9,163,000 |
| Noninterest income | 750,000 | 1,563,000 | 2,402,000 | 3,304,000 |
| Noninterest expense | 2,034,000 | 4,162,000 | 6,269,000 | 8,362,000 |
| Provision for loan losses | 205,000 | 425,000 | 835,000 | 1,135,000 |
| Pretax income | 535,000 | 1,372,000 | 2,090,000 | 2,970,000 |
| Income tax | 151,000 | 419,000 | 662,000 | 831,000 |
| Net income | 384,000 | 953,000 | 1,428,000 | 2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,833,000 | 17,402,000 | 17,877,000 | 18,588,000 |
| Total capital | 18,678,000 | 19,379,000 | 19,055,000 | 20,037,000 |
| Risk-weighted assets | 161,434,000 | 176,793,000 | 184,261,000 | 174,473,000 |