Call reports 2014
RELYANCE BANK — 2014
What RELYANCE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 461,639,000 | 502,169,000 | 535,387,000 | 511,621,000 |
| Total loans | 339,406,000 | 373,998,000 | 396,344,000 | 373,694,000 |
| Allowance for loan losses | 4,628,000 | 4,714,000 | 4,839,000 | 4,728,000 |
| Securities available for sale | 41,808,000 | 39,647,000 | 34,544,000 | 25,575,000 |
| Securities held to maturity | 39,664,000 | 40,983,000 | 43,770,000 | 52,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,223,000 | 384,953,000 | 406,893,000 | 435,729,000 |
| Interest-bearing deposits | 291,161,000 | 290,920,000 | 308,491,000 | 338,606,000 |
| Noninterest-bearing deposits | 97,062,000 | 94,033,000 | 98,402,000 | 97,123,000 |
| Equity capital | 67,245,000 | 68,512,000 | 69,759,000 | 70,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,649,000 | 9,698,000 | 15,191,000 | 20,444,000 |
| Interest expense | 250,000 | 485,000 | 739,000 | 1,042,000 |
| Net interest income | 4,399,000 | 9,213,000 | 14,452,000 | 19,402,000 |
| Noninterest income | 1,437,000 | 2,982,000 | 4,630,000 | 6,223,000 |
| Noninterest expense | 4,317,000 | 8,867,000 | 13,504,000 | 18,231,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 160,000 |
| Pretax income | 1,519,000 | 3,278,000 | 5,478,000 | 7,234,000 |
| Income tax | 516,000 | 1,123,000 | 1,948,000 | 2,224,000 |
| Net income | 1,003,000 | 2,155,000 | 3,530,000 | 5,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,460,000 | 68,612,000 | 69,771,000 | 70,223,000 |
| Total capital | 72,071,000 | 73,616,000 | 74,707,000 | 75,047,000 |
| Risk-weighted assets | 368,292,000 | 405,670,000 | 427,969,000 | 401,760,000 |