Call reports 2009
RELIANCE BANK — 2009
What RELIANCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,477,348,000 | 1,419,290,000 | 1,423,120,000 | 1,433,805,000 |
| Total loans | 1,152,080,000 | 1,147,342,000 | 1,123,855,000 | 1,075,305,000 |
| Allowance for loan losses | 12,139,000 | 18,900,000 | 23,540,000 | 26,604,000 |
| Securities available for sale | 258,816,000 | 210,990,000 | 203,303,000 | 260,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,180,271,000 | 1,123,946,000 | 1,140,908,000 | 1,196,052,000 |
| Interest-bearing deposits | 1,129,598,000 | 1,061,555,000 | 1,078,653,000 | 1,127,947,000 |
| Noninterest-bearing deposits | 50,673,000 | 62,392,000 | 62,255,000 | 68,105,000 |
| Equity capital | 143,593,000 | 138,765,000 | 135,533,000 | 120,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 18,632,000 | 36,671,000 | 54,407,000 | 71,706,000 |
| Interest expense | 9,975,000 | 19,214,000 | 27,649,000 | 36,098,000 |
| Net interest income | 8,657,000 | 17,457,000 | 26,758,000 | 35,608,000 |
| Noninterest income | 315,000 | 14,000 | -841,000 | -1,673,000 |
| Noninterest expense | 5,940,000 | 11,921,000 | 17,481,000 | 23,952,000 |
| Provision for loan losses | 1,500,000 | 11,450,000 | 21,950,000 | 43,850,000 |
| Pretax income | 1,532,000 | -6,046,000 | -13,027,000 | -32,861,000 |
| Income tax | 468,000 | -2,202,000 | -4,574,000 | -11,637,000 |
| Net income | 1,064,000 | -3,844,000 | -8,453,000 | -21,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,253,000 | 137,424,000 | 132,899,000 | 108,965,000 |
| Total capital | 154,392,000 | 153,702,000 | 148,894,000 | 124,248,000 |
| Risk-weighted assets | 1,298,827,000 | 1,295,603,000 | 1,265,211,000 | 1,221,134,000 |