Call reports 2003
RELIANCE BANK — 2003
What RELIANCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 226,819,000 | 249,404,000 | 264,309,000 | 275,354,000 |
| Total loans | 131,028,000 | 148,640,000 | 168,081,000 | 174,967,000 |
| Allowance for loan losses | 1,430,000 | 1,506,000 | 1,696,000 | 1,847,000 |
| Securities available for sale | 89,162,000 | 83,507,000 | 82,022,000 | 88,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,777,000 | 213,202,000 | 226,608,000 | 224,965,000 |
| Interest-bearing deposits | 187,674,000 | 202,273,000 | 213,624,000 | 212,379,000 |
| Noninterest-bearing deposits | 7,103,000 | 10,930,000 | 12,984,000 | 12,586,000 |
| Equity capital | 17,351,000 | 20,331,000 | 19,980,000 | 30,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,626,000 | 5,321,000 | 8,180,000 | 11,221,000 |
| Interest expense | 1,295,000 | 2,644,000 | 3,958,000 | 5,278,000 |
| Net interest income | 1,331,000 | 2,677,000 | 4,222,000 | 5,943,000 |
| Noninterest income | 57,000 | 104,000 | 159,000 | 210,000 |
| Noninterest expense | 790,000 | 1,659,000 | 2,597,000 | 3,772,000 |
| Provision for loan losses | 130,000 | 250,000 | 440,000 | 590,000 |
| Pretax income | 519,000 | 1,027,000 | 1,526,000 | 1,986,000 |
| Income tax | 182,000 | 359,000 | 525,000 | 679,000 |
| Net income | 337,000 | 668,000 | 1,001,000 | 1,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,478,000 | 19,071,000 | 19,404,000 | 29,710,000 |
| Total capital | 17,908,000 | 20,577,000 | 21,100,000 | 31,557,000 |
| Risk-weighted assets | 137,179,000 | 157,520,000 | 176,698,000 | 191,166,000 |