Call reports 2009
RELYANCE BANK — 2009
What RELYANCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 353,782,000 | 369,141,000 | 391,359,000 | 360,362,000 |
| Total loans | 233,497,000 | 259,768,000 | 279,208,000 | 248,420,000 |
| Allowance for loan losses | 2,305,000 | 2,633,000 | 3,249,000 | 3,061,000 |
| Securities available for sale | 50,725,000 | 49,301,000 | 50,040,000 | 49,697,000 |
| Securities held to maturity | 16,337,000 | 16,357,000 | 15,264,000 | 15,716,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,529,000 | 293,777,000 | 302,707,000 | 299,225,000 |
| Interest-bearing deposits | 236,494,000 | 239,428,000 | 246,615,000 | 279,973,000 |
| Noninterest-bearing deposits | 61,035,000 | 54,349,000 | 56,092,000 | 19,252,000 |
| Equity capital | 37,666,000 | 38,302,000 | 39,486,000 | 40,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,608,000 | 9,142,000 | 14,261,000 | 19,118,000 |
| Interest expense | 1,121,000 | 2,059,000 | 2,913,000 | 3,711,000 |
| Net interest income | 3,487,000 | 7,083,000 | 11,348,000 | 15,407,000 |
| Noninterest income | 968,000 | 2,018,000 | 3,161,000 | 4,530,000 |
| Noninterest expense | 3,126,000 | 6,319,000 | 9,318,000 | 12,920,000 |
| Provision for loan losses | 57,000 | 301,000 | 1,041,000 | 1,554,000 |
| Pretax income | 1,272,000 | 2,481,000 | 4,150,000 | 5,463,000 |
| Income tax | 419,000 | 824,000 | 1,391,000 | 1,747,000 |
| Net income | 853,000 | 1,657,000 | 2,759,000 | 3,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,867,000 | 37,621,000 | 38,559,000 | 39,373,000 |
| Total capital | 39,494,000 | 40,479,000 | 41,881,000 | 42,733,000 |
| Risk-weighted assets | 279,790,000 | 304,685,000 | 324,162,000 | 294,451,000 |