Call reports 2023
RELYANCE BANK — 2023
What RELYANCE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,184,775,000 | 1,250,158,000 | 1,282,851,000 | 1,505,048,000 |
| Total loans | 927,267,000 | 965,506,000 | 1,028,317,000 | 1,031,286,000 |
| Allowance for loan losses | 12,438,000 | 12,431,000 | 12,574,000 | 12,557,000 |
| Securities available for sale | 107,606,000 | 104,089,000 | 100,856,000 | 103,948,000 |
| Securities held to maturity | 33,750,000 | 33,093,000 | 31,991,000 | 33,084,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 991,634,000 | 1,050,346,000 | 1,081,248,000 | 1,332,036,000 |
| Interest-bearing deposits | 733,182,000 | 809,976,000 | 850,106,000 | 988,660,000 |
| Noninterest-bearing deposits | 258,452,000 | 240,370,000 | 231,142,000 | 343,376,000 |
| Equity capital | 143,706,000 | 145,872,000 | 146,764,000 | 154,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 13,191,000 | 26,192,000 | 41,336,000 | 59,569,000 |
| Interest expense | 2,800,000 | 6,926,000 | 12,460,000 | 19,797,000 |
| Net interest income | 10,391,000 | 19,266,000 | 28,876,000 | 39,772,000 |
| Noninterest income | 2,139,000 | 4,361,000 | 6,480,000 | 9,127,000 |
| Noninterest expense | 7,593,000 | 15,233,000 | 23,184,000 | 31,469,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 4,937,000 | 8,394,000 | 12,072,000 | 17,330,000 |
| Income tax | 1,201,000 | 2,062,000 | 2,946,000 | 4,069,000 |
| Net income | 3,736,000 | 6,332,000 | 9,126,000 | 13,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 149,582,000 | 153,689,000 | 156,514,000 | 160,681,000 |
| Total capital | 163,527,000 | 168,071,000 | 170,688,000 | 174,838,000 |
| Risk-weighted assets | 1,115,216,000 | 1,159,267,000 | 1,217,476,000 | 1,222,086,000 |