Call reports 2005
RELIANCE BANK — 2005
What RELIANCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 444,645,000 | 566,248,000 | 641,357,000 | 699,909,000 |
| Total loans | 310,989,000 | 382,130,000 | 429,865,000 | 472,615,000 |
| Allowance for loan losses | 3,250,000 | 3,825,000 | 4,400,000 | 5,213,000 |
| Securities available for sale | 111,545,000 | 124,776,000 | 162,304,000 | 187,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,867,000 | 485,286,000 | 558,990,000 | 607,087,000 |
| Interest-bearing deposits | 347,200,000 | 462,679,000 | 521,311,000 | 576,180,000 |
| Noninterest-bearing deposits | 22,667,000 | 22,608,000 | 37,679,000 | 30,907,000 |
| Equity capital | 50,846,000 | 51,899,000 | 52,123,000 | 57,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,392,000 | 11,816,000 | 19,954,000 | 31,149,000 |
| Interest expense | 2,301,000 | 5,505,000 | 9,954,000 | 15,799,000 |
| Net interest income | 3,091,000 | 6,311,000 | 10,000,000 | 15,350,000 |
| Noninterest income | 91,000 | 198,000 | 345,000 | 522,000 |
| Noninterest expense | 2,101,000 | 4,290,000 | 6,909,000 | 10,654,000 |
| Provision for loan losses | 445,000 | 1,045,000 | 1,670,000 | 2,333,000 |
| Pretax income | 636,000 | 1,174,000 | 1,766,000 | 2,782,000 |
| Income tax | 198,000 | 354,000 | 521,000 | 840,000 |
| Net income | 438,000 | 820,000 | 1,245,000 | 1,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,968,000 | 52,352,000 | 52,776,000 | 57,769,000 |
| Total capital | 55,218,000 | 56,177,000 | 57,176,000 | 62,982,000 |
| Risk-weighted assets | 354,102,000 | 442,919,000 | 492,680,000 | 536,153,000 |