Call reports 2004
RELIANCE BANK — 2004
What RELIANCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 321,555,000 | 348,850,000 | 375,685,000 | 410,136,000 |
| Total loans | 197,371,000 | 217,465,000 | 239,682,000 | 273,817,000 |
| Allowance for loan losses | 2,032,000 | 2,207,000 | 2,408,000 | 2,803,000 |
| Securities available for sale | 86,128,000 | 108,892,000 | 109,925,000 | 116,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,264,000 | 292,358,000 | 301,404,000 | 319,448,000 |
| Interest-bearing deposits | 259,148,000 | 273,418,000 | 275,075,000 | 298,486,000 |
| Noninterest-bearing deposits | 13,116,000 | 18,940,000 | 26,329,000 | 20,962,000 |
| Equity capital | 31,244,000 | 39,518,000 | 51,269,000 | 51,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,144,000 | 6,744,000 | 10,742,000 | 15,401,000 |
| Interest expense | 1,377,000 | 2,979,000 | 4,690,000 | 6,677,000 |
| Net interest income | 1,767,000 | 3,765,000 | 6,052,000 | 8,724,000 |
| Noninterest income | 52,000 | 163,000 | 229,000 | 326,000 |
| Noninterest expense | 1,316,000 | 2,802,000 | 4,437,000 | 6,345,000 |
| Provision for loan losses | 185,000 | 360,000 | 560,000 | 955,000 |
| Pretax income | 452,000 | 901,000 | 1,419,000 | 2,035,000 |
| Income tax | 144,000 | 277,000 | 431,000 | 614,000 |
| Net income | 308,000 | 624,000 | 988,000 | 1,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,380,000 | 40,696,000 | 51,060,000 | 51,531,000 |
| Total capital | 32,412,000 | 42,903,000 | 53,468,000 | 54,334,000 |
| Risk-weighted assets | 223,467,000 | 246,915,000 | 272,600,000 | 317,071,000 |