Call reports 2020
RELYANCE BANK — 2020
What RELYANCE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 865,751,000 | 955,932,000 | 985,294,000 | 1,007,257,000 |
| Total loans | 655,316,000 | 763,737,000 | 800,179,000 | 758,139,000 |
| Allowance for loan losses | 6,419,000 | 7,007,000 | 6,932,000 | 7,892,000 |
| Securities available for sale | 61,584,000 | 65,960,000 | 58,715,000 | 63,133,000 |
| Securities held to maturity | 39,475,000 | 37,487,000 | 32,330,000 | 30,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 728,961,000 | 799,998,000 | 846,989,000 | 866,870,000 |
| Interest-bearing deposits | 568,980,000 | 612,448,000 | 634,948,000 | 659,486,000 |
| Noninterest-bearing deposits | 159,981,000 | 187,550,000 | 212,041,000 | 207,384,000 |
| Equity capital | 114,913,000 | 118,005,000 | 119,679,000 | 122,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 9,432,000 | 19,313,000 | 28,834,000 | 38,801,000 |
| Interest expense | 1,742,000 | 3,032,000 | 4,196,000 | 5,081,000 |
| Net interest income | 7,690,000 | 16,281,000 | 24,638,000 | 33,720,000 |
| Noninterest income | 1,957,000 | 3,918,000 | 6,026,000 | 8,472,000 |
| Noninterest expense | 6,630,000 | 13,178,000 | 19,486,000 | 26,231,000 |
| Provision for loan losses | 212,000 | 1,442,000 | 2,142,000 | 3,264,000 |
| Pretax income | 2,805,000 | 5,562,000 | 9,019,000 | 12,680,000 |
| Income tax | 669,000 | 1,330,000 | 2,185,000 | 2,861,000 |
| Net income | 2,136,000 | 4,232,000 | 6,834,000 | 9,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,002,000 | 109,130,000 | 110,763,000 | 113,780,000 |
| Total capital | 113,421,000 | 116,137,000 | 117,695,000 | 121,672,000 |
| Risk-weighted assets | 740,628,000 | 827,955,000 | 861,682,000 | 834,794,000 |