Call reports 2004
RELYANCE BANK — 2004
What RELYANCE 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 | 251,496,000 | 259,910,000 | 269,602,000 | 261,501,000 |
| Total loans | 152,712,000 | 177,058,000 | 185,921,000 | 168,876,000 |
| Allowance for loan losses | 1,543,000 | 1,578,000 | 1,732,000 | 1,767,000 |
| Securities available for sale | 41,146,000 | 32,309,000 | 32,518,000 | 31,785,000 |
| Securities held to maturity | 23,241,000 | 22,987,000 | 19,454,000 | 19,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,071,000 | 207,094,000 | 216,114,000 | 218,409,000 |
| Interest-bearing deposits | 168,839,000 | 166,349,000 | 173,978,000 | 177,174,000 |
| Noninterest-bearing deposits | 39,232,000 | 40,745,000 | 42,136,000 | 41,235,000 |
| Equity capital | 26,481,000 | 26,250,000 | 27,078,000 | 27,536,000 |
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 | 2,919,000 | 6,107,000 | 9,424,000 | 12,704,000 |
| Interest expense | 620,000 | 1,286,000 | 2,001,000 | 2,706,000 |
| Net interest income | 2,299,000 | 4,821,000 | 7,423,000 | 9,998,000 |
| Noninterest income | 848,000 | 1,786,000 | 2,710,000 | 3,654,000 |
| Noninterest expense | 2,495,000 | 4,995,000 | 7,424,000 | 9,886,000 |
| Provision for loan losses | 142,000 | 303,000 | 633,000 | 753,000 |
| Pretax income | 510,000 | 1,314,000 | 2,094,000 | 3,031,000 |
| Income tax | 137,000 | 332,000 | 580,000 | 842,000 |
| Net income | 373,000 | 982,000 | 1,514,000 | 2,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,024,000 | 26,562,000 | 27,043,000 | 27,660,000 |
| Total capital | 27,567,000 | 28,140,000 | 28,775,000 | 29,427,000 |
| Risk-weighted assets | 195,227,000 | 218,256,000 | 228,553,000 | 212,096,000 |