Call reports 2010
RELYANCE BANK — 2010
What RELYANCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 388,200,000 | 392,974,000 | 401,189,000 | 376,052,000 |
| Total loans | 242,265,000 | 266,093,000 | 278,123,000 | 249,775,000 |
| Allowance for loan losses | 3,375,000 | 3,679,000 | 3,639,000 | 3,746,000 |
| Securities available for sale | 49,532,000 | 56,219,000 | 54,002,000 | 65,108,000 |
| Securities held to maturity | 23,925,000 | 24,694,000 | 21,438,000 | 19,885,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,913,000 | 321,121,000 | 326,668,000 | 326,034,000 |
| Interest-bearing deposits | 258,447,000 | 262,370,000 | 268,140,000 | 265,205,000 |
| Noninterest-bearing deposits | 59,466,000 | 58,751,000 | 58,528,000 | 60,829,000 |
| Equity capital | 41,156,000 | 43,076,000 | 43,965,000 | 44,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,442,000 | 9,147,000 | 14,232,000 | 18,920,000 |
| Interest expense | 746,000 | 1,497,000 | 2,267,000 | 2,993,000 |
| Net interest income | 3,696,000 | 7,650,000 | 11,965,000 | 15,927,000 |
| Noninterest income | 1,189,000 | 3,104,000 | 4,488,000 | 5,962,000 |
| Noninterest expense | 3,000,000 | 6,349,000 | 9,773,000 | 13,140,000 |
| Provision for loan losses | 425,000 | 857,000 | 1,226,000 | 1,326,000 |
| Pretax income | 1,460,000 | 3,548,000 | 5,454,000 | 7,423,000 |
| Income tax | 497,000 | 1,005,000 | 1,689,000 | 2,390,000 |
| Net income | 963,000 | 2,543,000 | 3,765,000 | 5,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,295,000 | 42,069,000 | 42,772,000 | 43,970,000 |
| Total capital | 43,968,000 | 45,911,000 | 46,459,000 | 47,687,000 |
| Risk-weighted assets | 293,808,000 | 313,552,000 | 326,336,000 | 297,316,000 |