Call reports 2015
RELYANCE BANK — 2015
What RELYANCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 573,373,000 | 561,245,000 | 572,417,000 | 563,771,000 |
| Total loans | 374,487,000 | 420,342,000 | 444,017,000 | 438,751,000 |
| Allowance for loan losses | 4,433,000 | 4,485,000 | 4,303,000 | 5,219,000 |
| Securities available for sale | 24,153,000 | 23,515,000 | 23,332,000 | 18,527,000 |
| Securities held to maturity | 52,843,000 | 52,582,000 | 51,357,000 | 56,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,074,000 | 463,027,000 | 463,053,000 | 476,933,000 |
| Interest-bearing deposits | 333,375,000 | 349,152,000 | 363,684,000 | 357,519,000 |
| Noninterest-bearing deposits | 162,699,000 | 113,875,000 | 99,369,000 | 119,414,000 |
| Equity capital | 71,251,000 | 72,068,000 | 73,597,000 | 76,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,987,000 | 10,252,000 | 16,104,000 | 21,880,000 |
| Interest expense | 303,000 | 601,000 | 933,000 | 1,274,000 |
| Net interest income | 4,684,000 | 9,651,000 | 15,171,000 | 20,606,000 |
| Noninterest income | 1,505,000 | 3,070,000 | 4,789,000 | 6,648,000 |
| Noninterest expense | 4,770,000 | 9,754,000 | 14,727,000 | 19,988,000 |
| Provision for loan losses | 0 | 0 | 70,000 | 1,070,000 |
| Pretax income | 1,419,000 | 2,967,000 | 5,163,000 | 6,196,000 |
| Income tax | 473,000 | 991,000 | 1,772,000 | 1,250,000 |
| Net income | 946,000 | 1,976,000 | 3,391,000 | 4,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,168,000 | 72,198,000 | 73,613,000 | 76,664,000 |
| Total capital | 76,071,000 | 76,914,000 | 77,996,000 | 81,987,000 |
| Risk-weighted assets | 404,054,000 | 451,028,000 | 487,249,000 | 480,022,000 |