Call reports 2002
RELIANCE BANK — 2002
What RELIANCE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 160,605,000 | 167,018,000 | 197,524,000 | 207,565,000 |
| Total loans | 84,168,000 | 89,071,000 | 101,606,000 | 118,554,000 |
| Allowance for loan losses | 863,000 | 956,000 | 1,050,000 | 1,300,000 |
| Securities available for sale | 63,114,000 | 71,549,000 | 89,599,000 | 82,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,887,000 | 138,795,000 | 164,190,000 | 174,637,000 |
| Interest-bearing deposits | 127,594,000 | 132,660,000 | 155,254,000 | 166,159,000 |
| Noninterest-bearing deposits | 4,294,000 | 6,134,000 | 8,937,000 | 8,479,000 |
| Equity capital | 13,803,000 | 14,361,000 | 16,939,000 | 17,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,974,000 | 4,057,000 | 6,481,000 | 9,044,000 |
| Interest expense | 1,090,000 | 2,224,000 | 3,448,000 | 4,738,000 |
| Net interest income | 884,000 | 1,833,000 | 3,033,000 | 4,306,000 |
| Noninterest income | 26,000 | 55,000 | 104,000 | 147,000 |
| Noninterest expense | 546,000 | 1,183,000 | 1,832,000 | 2,564,000 |
| Provision for loan losses | 113,000 | 206,000 | 300,000 | 550,000 |
| Pretax income | 252,000 | 706,000 | 1,214,000 | 1,651,000 |
| Income tax | 87,000 | 244,000 | 425,000 | 585,000 |
| Net income | 165,000 | 462,000 | 789,000 | 1,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,240,000 | 13,537,000 | 15,864,000 | 16,141,000 |
| Total capital | 14,103,000 | 14,493,000 | 16,914,000 | 17,441,000 |
| Risk-weighted assets | 97,117,000 | 103,055,000 | 117,701,000 | 132,797,000 |