Call reports 2010
RELIANCE BANK — 2010
What RELIANCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,386,202,000 | 1,354,039,000 | 1,247,672,000 | 1,214,080,000 |
| Total loans | 1,040,573,000 | 1,006,980,000 | 963,993,000 | 922,125,000 |
| Allowance for loan losses | 26,141,000 | 29,602,000 | 33,110,000 | 32,787,000 |
| Securities available for sale | 221,983,000 | 248,088,000 | 199,975,000 | 219,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,143,746,000 | 1,111,375,000 | 1,006,202,000 | 1,005,047,000 |
| Interest-bearing deposits | 1,088,560,000 | 1,049,431,000 | 939,528,000 | 945,762,000 |
| Noninterest-bearing deposits | 55,186,000 | 61,944,000 | 66,674,000 | 59,285,000 |
| Equity capital | 121,318,000 | 122,113,000 | 117,610,000 | 96,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 16,597,000 | 32,367,000 | 47,239,000 | 60,663,000 |
| Interest expense | 6,467,000 | 12,611,000 | 17,831,000 | 22,459,000 |
| Net interest income | 10,130,000 | 19,756,000 | 29,408,000 | 38,204,000 |
| Noninterest income | 18,000 | 68,000 | -2,000 | -3,195,000 |
| Noninterest expense | 5,789,000 | 11,399,000 | 17,568,000 | 23,471,000 |
| Provision for loan losses | 5,776,000 | 14,338,000 | 29,218,000 | 35,318,000 |
| Pretax income | -1,422,000 | -5,774,000 | -17,512,000 | -24,140,000 |
| Income tax | -544,000 | -2,452,000 | -7,198,000 | 7,479,000 |
| Net income | -878,000 | -3,322,000 | -10,314,000 | -31,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,746,000 | 103,256,000 | 94,899,000 | 89,574,000 |
| Total capital | 122,628,000 | 117,806,000 | 108,691,000 | 102,606,000 |
| Risk-weighted assets | 1,179,262,000 | 1,148,936,000 | 1,084,007,000 | 1,022,799,000 |