Call reports 2008
RELYANCE BANK — 2008
What RELYANCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 317,916,000 | 354,436,000 | 353,880,000 | 351,139,000 |
| Total loans | 207,937,000 | 238,378,000 | 242,926,000 | 229,127,000 |
| Allowance for loan losses | 3,001,000 | 2,282,000 | 2,440,000 | 2,567,000 |
| Securities available for sale | 48,451,000 | 45,674,000 | 43,213,000 | 50,523,000 |
| Securities held to maturity | 13,713,000 | 15,460,000 | 16,586,000 | 16,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,332,000 | 305,579,000 | 291,277,000 | 283,960,000 |
| Interest-bearing deposits | 181,418,000 | 252,431,000 | 243,323,000 | 229,653,000 |
| Noninterest-bearing deposits | 81,914,000 | 53,148,000 | 47,954,000 | 54,307,000 |
| Equity capital | 34,727,000 | 34,847,000 | 35,857,000 | 36,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,920,000 | 9,832,000 | 15,014,000 | 19,775,000 |
| Interest expense | 1,717,000 | 3,292,000 | 4,875,000 | 6,372,000 |
| Net interest income | 3,203,000 | 6,540,000 | 10,139,000 | 13,403,000 |
| Noninterest income | 1,097,000 | 2,185,000 | 3,302,000 | 4,511,000 |
| Noninterest expense | 2,782,000 | 5,688,000 | 8,665,000 | 11,718,000 |
| Provision for loan losses | 205,000 | 420,000 | 720,000 | 1,151,000 |
| Pretax income | 1,313,000 | 2,645,000 | 4,086,000 | 5,075,000 |
| Income tax | 447,000 | 910,000 | 1,405,000 | 1,675,000 |
| Net income | 866,000 | 1,735,000 | 2,681,000 | 3,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,036,000 | 34,761,000 | 35,641,000 | 36,176,000 |
| Total capital | 37,037,000 | 37,043,000 | 38,081,000 | 38,743,000 |
| Risk-weighted assets | 272,601,000 | 305,756,000 | 287,884,000 | 302,179,000 |