Call reports 2011
RELYANCE BANK — 2011
What RELYANCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 364,865,000 | 397,767,000 | 403,227,000 | 386,241,000 |
| Total loans | 255,164,000 | 283,485,000 | 289,042,000 | 252,034,000 |
| Allowance for loan losses | 3,367,000 | 4,288,000 | 4,253,000 | 4,137,000 |
| Securities available for sale | 54,064,000 | 55,580,000 | 56,907,000 | 57,147,000 |
| Securities held to maturity | 17,985,000 | 17,423,000 | 15,912,000 | 14,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,221,000 | 311,833,000 | 326,467,000 | 333,458,000 |
| Interest-bearing deposits | 253,282,000 | 249,797,000 | 264,861,000 | 266,916,000 |
| Noninterest-bearing deposits | 59,939,000 | 62,036,000 | 61,606,000 | 66,542,000 |
| Equity capital | 45,688,000 | 46,420,000 | 46,640,000 | 47,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,378,000 | 9,194,000 | 14,193,000 | 18,712,000 |
| Interest expense | 635,000 | 1,213,000 | 1,777,000 | 2,329,000 |
| Net interest income | 3,743,000 | 7,981,000 | 12,416,000 | 16,383,000 |
| Noninterest income | 1,255,000 | 2,528,000 | 4,011,000 | 5,606,000 |
| Noninterest expense | 3,110,000 | 6,304,000 | 9,506,000 | 13,116,000 |
| Provision for loan losses | 185,000 | 466,000 | 698,000 | 783,000 |
| Pretax income | 1,683,000 | 3,759,000 | 6,243,000 | 8,111,000 |
| Income tax | 590,000 | 1,336,000 | 2,242,000 | 2,881,000 |
| Net income | 1,093,000 | 2,423,000 | 4,001,000 | 5,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,063,000 | 45,442,000 | 45,521,000 | 46,575,000 |
| Total capital | 48,810,000 | 49,570,000 | 49,732,000 | 50,333,000 |
| Risk-weighted assets | 299,693,000 | 329,901,000 | 336,805,000 | 300,257,000 |