Call reports 2005
RELYANCE BANK — 2005
What RELYANCE 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 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 253,034,000 | 268,844,000 | 283,730,000 | 281,810,000 |
| Total loans | 169,595,000 | 184,908,000 | 194,857,000 | 181,749,000 |
| Allowance for loan losses | 1,850,000 | 1,927,000 | 2,238,000 | 2,299,000 |
| Securities available for sale | 37,160,000 | 37,214,000 | 36,305,000 | 38,412,000 |
| Securities held to maturity | 17,152,000 | 17,290,000 | 15,116,000 | 13,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,693,000 | 205,707,000 | 232,685,000 | 240,115,000 |
| Interest-bearing deposits | 170,171,000 | 166,439,000 | 181,122,000 | 194,412,000 |
| Noninterest-bearing deposits | 41,522,000 | 39,268,000 | 51,563,000 | 45,703,000 |
| Equity capital | 27,525,000 | 28,124,000 | 28,618,000 | 29,184,000 |
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 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,124,000 | 6,550,000 | 10,453,000 | 14,276,000 |
| Interest expense | 716,000 | 1,581,000 | 2,714,000 | 3,889,000 |
| Net interest income | 2,408,000 | 4,969,000 | 7,739,000 | 10,387,000 |
| Noninterest income | 876,000 | 1,802,000 | 2,769,000 | 4,167,000 |
| Noninterest expense | 2,546,000 | 5,134,000 | 7,612,000 | 10,318,000 |
| Provision for loan losses | 100,000 | 208,000 | 455,000 | 585,000 |
| Pretax income | 638,000 | 1,429,000 | 2,442,000 | 3,650,000 |
| Income tax | 180,000 | 413,000 | 724,000 | 988,000 |
| Net income | 458,000 | 1,016,000 | 1,718,000 | 2,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,052,000 | 28,339,000 | 28,963,000 | 29,704,000 |
| Total capital | 29,902,000 | 30,266,000 | 31,201,000 | 32,003,000 |
| Risk-weighted assets | 194,539,000 | 227,387,000 | 240,073,000 | 234,539,000 |