Call reports 2006
RELYANCE BANK — 2006
What RELYANCE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 257,854,000 | 278,460,000 | 289,718,000 | 271,633,000 |
| Total loans | 173,886,000 | 188,633,000 | 195,364,000 | 179,990,000 |
| Allowance for loan losses | 2,324,000 | 2,427,000 | 2,367,000 | 2,163,000 |
| Securities available for sale | 39,758,000 | 44,628,000 | 43,637,000 | 45,121,000 |
| Securities held to maturity | 11,424,000 | 8,105,000 | 12,851,000 | 13,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,625,000 | 235,043,000 | 249,957,000 | 237,949,000 |
| Interest-bearing deposits | 173,476,000 | 188,471,000 | 205,307,000 | 189,563,000 |
| Noninterest-bearing deposits | 45,149,000 | 46,572,000 | 44,650,000 | 48,386,000 |
| Equity capital | 29,289,000 | 29,388,000 | 30,347,000 | 30,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,635,000 | 7,534,000 | 11,963,000 | 16,372,000 |
| Interest expense | 1,174,000 | 2,398,000 | 4,012,000 | 5,669,000 |
| Net interest income | 2,461,000 | 5,136,000 | 7,951,000 | 10,703,000 |
| Noninterest income | 957,000 | 1,897,000 | 3,027,000 | 4,139,000 |
| Noninterest expense | 2,646,000 | 5,367,000 | 8,124,000 | 10,835,000 |
| Provision for loan losses | 61,000 | 244,000 | 356,000 | 385,000 |
| Pretax income | 711,000 | 1,422,000 | 2,498,000 | 3,622,000 |
| Income tax | 137,000 | 420,000 | 780,000 | 1,054,000 |
| Net income | 574,000 | 1,002,000 | 1,718,000 | 2,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,825,000 | 30,057,000 | 30,670,000 | 30,700,000 |
| Total capital | 32,149,000 | 32,484,000 | 33,037,000 | 32,863,000 |
| Risk-weighted assets | 215,875,000 | 234,880,000 | 239,402,000 | 224,943,000 |