Call reports 2006
RELIANCE BANK — 2006
What RELIANCE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 718,381,000 | 746,361,000 | 803,739,000 | 854,594,000 |
| Total loans | 487,776,000 | 503,114,000 | 558,970,000 | 633,142,000 |
| Allowance for loan losses | 5,486,000 | 5,797,000 | 6,230,000 | 6,651,000 |
| Securities available for sale | 194,202,000 | 203,738,000 | 198,551,000 | 180,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,112,000 | 640,504,000 | 675,695,000 | 678,083,000 |
| Interest-bearing deposits | 579,800,000 | 610,992,000 | 641,181,000 | 631,795,000 |
| Noninterest-bearing deposits | 30,311,000 | 29,512,000 | 34,514,000 | 46,288,000 |
| Equity capital | 68,105,000 | 69,166,000 | 71,998,000 | 83,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,015,000 | 21,040,000 | 32,996,000 | 45,901,000 |
| Interest expense | 5,552,000 | 11,803,000 | 18,971,000 | 26,828,000 |
| Net interest income | 4,463,000 | 9,237,000 | 14,025,000 | 19,073,000 |
| Noninterest income | 164,000 | 446,000 | 839,000 | 1,233,000 |
| Noninterest expense | 3,105,000 | 6,732,000 | 10,460,000 | 14,542,000 |
| Provision for loan losses | 350,000 | 675,000 | 1,125,000 | 1,750,000 |
| Pretax income | 1,172,000 | 2,276,000 | 3,279,000 | 4,028,000 |
| Income tax | 374,000 | 704,000 | 977,000 | 1,136,000 |
| Net income | 798,000 | 1,572,000 | 2,302,000 | 2,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,571,000 | 70,726,000 | 71,461,000 | 82,084,000 |
| Total capital | 74,057,000 | 76,523,000 | 77,691,000 | 88,735,000 |
| Risk-weighted assets | 554,324,000 | 571,158,000 | 641,360,000 | 721,199,000 |