Call reports 2012
RELIANCE BANK — 2012
What RELIANCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 994,482,000 | 958,400,000 | 936,400,000 | 914,430,000 |
| Total loans | 641,815,000 | 600,946,000 | 566,016,000 | 555,208,000 |
| Allowance for loan losses | 28,500,000 | 24,692,000 | 25,082,000 | 24,862,000 |
| Securities available for sale | 212,921,000 | 248,110,000 | 249,508,000 | 282,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 825,540,000 | 801,665,000 | 789,715,000 | 772,008,000 |
| Interest-bearing deposits | 760,943,000 | 734,585,000 | 725,919,000 | 702,372,000 |
| Noninterest-bearing deposits | 64,597,000 | 67,080,000 | 63,796,000 | 69,636,000 |
| Equity capital | 67,767,000 | 67,573,000 | 68,364,000 | 68,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,124,000 | 18,340,000 | 27,079,000 | 35,186,000 |
| Interest expense | 2,454,000 | 4,699,000 | 6,825,000 | 8,843,000 |
| Net interest income | 6,670,000 | 13,641,000 | 20,254,000 | 26,343,000 |
| Noninterest income | -148,000 | -1,352,000 | -1,569,000 | -1,614,000 |
| Noninterest expense | 5,514,000 | 11,217,000 | 17,381,000 | 23,641,000 |
| Provision for loan losses | 2,568,000 | 3,818,000 | 3,818,000 | 2,818,000 |
| Pretax income | 443,000 | -743,000 | -131,000 | 887,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 443,000 | -743,000 | -131,000 | 887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,906,000 | 66,758,000 | 67,402,000 | 68,414,000 |
| Total capital | 77,369,000 | 75,921,000 | 76,166,000 | 76,968,000 |
| Risk-weighted assets | 737,874,000 | 717,434,000 | 684,726,000 | 667,948,000 |