Call reports 2016
RELYANCE BANK — 2016
What RELYANCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 587,432,000 | 663,756,000 | 702,773,000 | 653,395,000 |
| Total loans | 459,828,000 | 518,596,000 | 542,423,000 | 517,153,000 |
| Allowance for loan losses | 4,998,000 | 5,479,000 | 5,688,000 | 5,755,000 |
| Securities available for sale | 17,911,000 | 18,482,000 | 23,461,000 | 25,252,000 |
| Securities held to maturity | 56,539,000 | 55,318,000 | 51,555,000 | 58,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 487,798,000 | 529,370,000 | 581,655,000 | 559,684,000 |
| Interest-bearing deposits | 362,144,000 | 432,531,000 | 449,861,000 | 436,072,000 |
| Noninterest-bearing deposits | 125,654,000 | 96,839,000 | 131,794,000 | 123,612,000 |
| Equity capital | 77,964,000 | 79,363,000 | 80,889,000 | 81,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,774,000 | 12,107,000 | 19,220,000 | 25,820,000 |
| Interest expense | 368,000 | 805,000 | 1,429,000 | 2,080,000 |
| Net interest income | 5,406,000 | 11,302,000 | 17,791,000 | 23,740,000 |
| Noninterest income | 1,578,000 | 3,214,000 | 4,974,000 | 6,668,000 |
| Noninterest expense | 5,010,000 | 10,298,000 | 15,824,000 | 21,487,000 |
| Provision for loan losses | 150,000 | 225,000 | 375,000 | 525,000 |
| Pretax income | 1,824,000 | 3,993,000 | 6,566,000 | 8,396,000 |
| Income tax | 595,000 | 1,407,000 | 2,390,000 | 2,875,000 |
| Net income | 1,229,000 | 2,586,000 | 4,176,000 | 5,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,892,000 | 79,249,000 | 80,839,000 | 82,184,000 |
| Total capital | 83,345,000 | 84,974,000 | 86,615,000 | 87,989,000 |
| Risk-weighted assets | 502,173,000 | 559,148,000 | 584,979,000 | 561,836,000 |