Call reports 2012
RELYANCE BANK — 2012
What RELYANCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 393,331,000 | 391,796,000 | 405,868,000 | 403,704,000 |
| Total loans | 259,345,000 | 285,492,000 | 266,605,000 | 250,959,000 |
| Allowance for loan losses | 3,450,000 | 3,300,000 | 3,113,000 | 3,085,000 |
| Securities available for sale | 57,022,000 | 54,957,000 | 51,522,000 | 48,708,000 |
| Securities held to maturity | 15,088,000 | 14,430,000 | 16,995,000 | 21,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,808,000 | 332,750,000 | 350,590,000 | 347,735,000 |
| Interest-bearing deposits | 273,448,000 | 266,361,000 | 270,107,000 | 268,293,000 |
| Noninterest-bearing deposits | 67,360,000 | 66,389,000 | 80,483,000 | 79,442,000 |
| Equity capital | 48,374,000 | 49,567,000 | 50,901,000 | 51,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,220,000 | 8,662,000 | 13,319,000 | 17,390,000 |
| Interest expense | 520,000 | 1,014,000 | 1,457,000 | 1,831,000 |
| Net interest income | 3,700,000 | 7,648,000 | 11,862,000 | 15,559,000 |
| Noninterest income | 1,367,000 | 2,738,000 | 4,322,000 | 5,965,000 |
| Noninterest expense | 3,383,000 | 6,722,000 | 10,193,000 | 14,069,000 |
| Provision for loan losses | 157,000 | 314,000 | 475,000 | 483,000 |
| Pretax income | 1,527,000 | 3,350,000 | 5,516,000 | 6,972,000 |
| Income tax | 531,000 | 1,185,000 | 1,974,000 | 2,349,000 |
| Net income | 996,000 | 2,165,000 | 3,542,000 | 4,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,571,000 | 48,740,000 | 50,117,000 | 51,198,000 |
| Total capital | 51,410,000 | 52,256,000 | 53,322,000 | 54,315,000 |
| Risk-weighted assets | 306,934,000 | 328,030,000 | 304,665,000 | 302,247,000 |