Call reports 2007
RELYANCE BANK — 2007
What RELYANCE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 292,832,000 | 299,260,000 | 320,833,000 | 308,013,000 |
| Total loans | 189,780,000 | 206,193,000 | 220,463,000 | 204,142,000 |
| Allowance for loan losses | 2,218,000 | 2,227,000 | 2,662,000 | 2,830,000 |
| Securities available for sale | 49,637,000 | 47,921,000 | 46,048,000 | 51,982,000 |
| Securities held to maturity | 13,419,000 | 13,809,000 | 13,708,000 | 16,429,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,448,000 | 250,475,000 | 260,041,000 | 270,747,000 |
| Interest-bearing deposits | 241,910,000 | 233,022,000 | 211,103,000 | 218,556,000 |
| Noninterest-bearing deposits | 16,538,000 | 17,453,000 | 48,938,000 | 52,191,000 |
| Equity capital | 31,131,000 | 31,356,000 | 32,694,000 | 33,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,459,000 | 9,250,000 | 14,481,000 | 19,625,000 |
| Interest expense | 1,648,000 | 3,480,000 | 5,608,000 | 7,681,000 |
| Net interest income | 2,811,000 | 5,770,000 | 8,873,000 | 11,944,000 |
| Noninterest income | 1,013,000 | 1,985,000 | 3,694,000 | 4,793,000 |
| Noninterest expense | 2,737,000 | 5,461,000 | 8,136,000 | 10,954,000 |
| Provision for loan losses | 7,000 | 100,000 | 548,000 | 759,000 |
| Pretax income | 1,080,000 | 2,194,000 | 3,883,000 | 5,024,000 |
| Income tax | 355,000 | 725,000 | 1,159,000 | 1,397,000 |
| Net income | 725,000 | 1,469,000 | 2,724,000 | 3,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,318,000 | 31,746,000 | 32,786,000 | 33,372,000 |
| Total capital | 33,536,000 | 33,973,000 | 35,448,000 | 36,202,000 |
| Risk-weighted assets | 233,683,000 | 251,841,000 | 268,226,000 | 254,754,000 |