Call reports 2013
RELIANCE BANK — 2013
What RELIANCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 980,389,000 | 1,004,893,000 | 1,009,306,000 | 1,015,324,000 |
| Total loans | 570,515,000 | 580,133,000 | 628,478,000 | 654,007,000 |
| Allowance for loan losses | 23,670,000 | 18,734,000 | 18,089,000 | 12,549,000 |
| Securities available for sale | 286,973,000 | 288,836,000 | 273,176,000 | 256,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 813,347,000 | 830,721,000 | 832,650,000 | 838,716,000 |
| Interest-bearing deposits | 746,907,000 | 750,058,000 | 761,650,000 | 767,336,000 |
| Noninterest-bearing deposits | 66,440,000 | 80,663,000 | 71,000,000 | 71,380,000 |
| Equity capital | 98,513,000 | 94,015,000 | 95,937,000 | 96,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,967,000 | 16,237,000 | 24,506,000 | 33,028,000 |
| Interest expense | 1,929,000 | 3,821,000 | 5,696,000 | 7,588,000 |
| Net interest income | 6,038,000 | 12,416,000 | 18,810,000 | 25,440,000 |
| Noninterest income | 152,000 | 580,000 | 109,000 | 960,000 |
| Noninterest expense | 6,038,000 | 15,104,000 | 19,506,000 | 25,882,000 |
| Provision for loan losses | -1,000,000 | -5,900,000 | -6,600,000 | -7,432,000 |
| Pretax income | 1,535,000 | 2,711,000 | 4,946,000 | 6,574,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,535,000 | 2,711,000 | 4,946,000 | 6,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,172,000 | 99,369,000 | 101,622,000 | 103,263,000 |
| Total capital | 106,926,000 | 108,320,000 | 111,286,000 | 113,032,000 |
| Risk-weighted assets | 685,374,000 | 706,462,000 | 764,622,000 | 774,760,000 |