Call reports 2007
RELIANCE BANK — 2007
What RELIANCE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 903,308,000 | 935,247,000 | 983,188,000 | 1,052,862,000 |
| Total loans | 652,198,000 | 718,829,000 | 773,931,000 | 842,215,000 |
| Allowance for loan losses | 6,625,000 | 6,992,000 | 7,656,000 | 8,345,000 |
| Securities available for sale | 176,124,000 | 165,547,000 | 161,903,000 | 150,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 758,872,000 | 754,152,000 | 754,780,000 | 789,777,000 |
| Interest-bearing deposits | 720,574,000 | 708,320,000 | 743,722,000 | 770,088,000 |
| Noninterest-bearing deposits | 38,298,000 | 45,832,000 | 11,058,000 | 19,689,000 |
| Equity capital | 83,921,000 | 98,602,000 | 100,592,000 | 101,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 13,658,000 | 28,207,000 | 43,453,000 | 59,347,000 |
| Interest expense | 8,599,000 | 17,626,000 | 27,041,000 | 36,632,000 |
| Net interest income | 5,059,000 | 10,581,000 | 16,412,000 | 22,715,000 |
| Noninterest income | 347,000 | 818,000 | 1,174,000 | 1,476,000 |
| Noninterest expense | 4,214,000 | 8,530,000 | 12,912,000 | 18,092,000 |
| Provision for loan losses | 320,000 | 795,000 | 1,620,000 | 2,297,000 |
| Pretax income | 872,000 | 2,067,000 | 3,047,000 | 3,959,000 |
| Income tax | 215,000 | 548,000 | 804,000 | 954,000 |
| Net income | 657,000 | 1,519,000 | 2,243,000 | 3,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,745,000 | 98,677,000 | 99,459,000 | 100,326,000 |
| Total capital | 89,370,000 | 105,669,000 | 107,115,000 | 108,671,000 |
| Risk-weighted assets | 754,548,000 | 826,229,000 | 893,855,000 | 1,006,370,000 |