Call reports 2013
RELYANCE BANK — 2013
What RELYANCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 393,840,000 | 395,744,000 | 416,747,000 | 465,897,000 |
| Total loans | 251,456,000 | 288,767,000 | 305,365,000 | 339,078,000 |
| Allowance for loan losses | 2,486,000 | 3,130,000 | 3,293,000 | 5,053,000 |
| Securities available for sale | 49,835,000 | 48,167,000 | 42,079,000 | 45,249,000 |
| Securities held to maturity | 19,892,000 | 18,331,000 | 24,501,000 | 28,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,998,000 | 330,607,000 | 337,888,000 | 398,133,000 |
| Interest-bearing deposits | 257,872,000 | 251,638,000 | 252,607,000 | 301,132,000 |
| Noninterest-bearing deposits | 79,126,000 | 78,969,000 | 85,281,000 | 97,001,000 |
| Equity capital | 52,584,000 | 53,058,000 | 54,271,000 | 62,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,921,000 | 8,293,000 | 12,960,000 | 19,270,000 |
| Interest expense | 325,000 | 615,000 | 873,000 | 1,303,000 |
| Net interest income | 3,596,000 | 7,678,000 | 12,087,000 | 17,967,000 |
| Noninterest income | 1,308,000 | 2,851,000 | 4,334,000 | 6,327,000 |
| Noninterest expense | 3,446,000 | 7,019,000 | 10,748,000 | 18,869,000 |
| Provision for loan losses | 88,000 | 399,000 | 413,000 | 915,000 |
| Pretax income | 1,370,000 | 3,111,000 | 5,260,000 | 4,510,000 |
| Income tax | 472,000 | 1,095,000 | 1,878,000 | -695,000 |
| Net income | 898,000 | 2,016,000 | 3,382,000 | 5,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,096,000 | 53,214,000 | 54,580,000 | 63,003,000 |
| Total capital | 55,186,000 | 56,660,000 | 58,006,000 | 67,647,000 |
| Risk-weighted assets | 303,192,000 | 319,183,000 | 337,435,000 | 370,933,000 |