Call reports 2011
RELIANCE BANK — 2011
What RELIANCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,183,163,000 | 1,152,878,000 | 1,060,282,000 | 978,608,000 |
| Total loans | 852,855,000 | 772,576,000 | 729,920,000 | 690,542,000 |
| Allowance for loan losses | 31,766,000 | 32,293,000 | 33,253,000 | 28,001,000 |
| Securities available for sale | 222,787,000 | 211,901,000 | 202,503,000 | 191,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 986,819,000 | 949,753,000 | 861,125,000 | 823,995,000 |
| Interest-bearing deposits | 926,746,000 | 884,053,000 | 796,411,000 | 758,937,000 |
| Noninterest-bearing deposits | 60,073,000 | 65,700,000 | 64,714,000 | 65,057,000 |
| Equity capital | 92,339,000 | 86,374,000 | 83,854,000 | 68,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 12,814,000 | 24,783,000 | 35,873,000 | 46,211,000 |
| Interest expense | 4,220,000 | 8,251,000 | 11,583,000 | 14,455,000 |
| Net interest income | 8,594,000 | 16,532,000 | 24,290,000 | 31,756,000 |
| Noninterest income | -1,048,000 | -2,934,000 | -3,704,000 | -6,407,000 |
| Noninterest expense | 7,121,000 | 14,095,000 | 19,868,000 | 27,259,000 |
| Provision for loan losses | 5,000,000 | 11,750,000 | 16,894,000 | 23,594,000 |
| Pretax income | -4,581,000 | -12,223,000 | -16,152,000 | -23,384,000 |
| Income tax | 0 | 0 | 0 | 6,345,000 |
| Net income | -4,581,000 | -12,223,000 | -16,152,000 | -29,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,040,000 | 77,372,000 | 73,461,000 | 67,403,000 |
| Total capital | 97,377,000 | 88,775,000 | 84,074,000 | 77,452,000 |
| Risk-weighted assets | 967,372,000 | 891,243,000 | 826,249,000 | 785,811,000 |