Call reports 2003
RELYANCE BANK — 2003
What RELYANCE 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 | 229,430,000 | 234,892,000 | 241,343,000 | 245,817,000 |
| Total loans | 133,562,000 | 143,915,000 | 155,506,000 | 145,182,000 |
| Allowance for loan losses | 1,774,000 | 1,420,000 | 1,522,000 | 1,515,000 |
| Securities available for sale | 40,205,000 | 35,235,000 | 31,011,000 | 37,128,000 |
| Securities held to maturity | 26,962,000 | 26,972,000 | 25,649,000 | 25,387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,126,000 | 203,455,000 | 207,323,000 | 208,586,000 |
| Interest-bearing deposits | 174,035,000 | 166,453,000 | 169,345,000 | 170,166,000 |
| Noninterest-bearing deposits | 35,091,000 | 37,002,000 | 37,978,000 | 38,420,000 |
| Equity capital | 19,418,000 | 19,857,000 | 20,225,000 | 25,893,000 |
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 | 2,995,000 | 6,027,000 | 9,144,000 | 12,128,000 |
| Interest expense | 747,000 | 1,451,000 | 2,123,000 | 2,778,000 |
| Net interest income | 2,248,000 | 4,576,000 | 7,021,000 | 9,350,000 |
| Noninterest income | 787,000 | 1,640,000 | 2,521,000 | 3,517,000 |
| Noninterest expense | 2,229,000 | 4,652,000 | 6,985,000 | 9,389,000 |
| Provision for loan losses | 300,000 | 615,000 | 781,000 | 802,000 |
| Pretax income | 506,000 | 999,000 | 1,825,000 | 2,725,000 |
| Income tax | 136,000 | 271,000 | 513,000 | 662,000 |
| Net income | 370,000 | 728,000 | 1,312,000 | 2,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,958,000 | 19,316,000 | 19,900,000 | 25,651,000 |
| Total capital | 20,732,000 | 20,736,000 | 21,422,000 | 27,166,000 |
| Risk-weighted assets | 175,556,000 | 184,837,000 | 197,108,000 | 189,381,000 |