Call reports 2014
RELIANCE BANK — 2014
What RELIANCE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,035,479,000 | 1,086,785,000 | 1,110,458,000 | 1,162,924,000 |
| Total loans | 655,633,000 | 644,007,000 | 668,671,000 | 727,795,000 |
| Allowance for loan losses | 12,372,000 | 12,330,000 | 12,394,000 | 12,009,000 |
| Securities available for sale | 261,612,000 | 291,294,000 | 288,294,000 | 281,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 851,153,000 | 850,414,000 | 855,098,000 | 895,887,000 |
| Interest-bearing deposits | 774,431,000 | 768,017,000 | 770,550,000 | 797,015,000 |
| Noninterest-bearing deposits | 76,722,000 | 82,397,000 | 84,548,000 | 98,872,000 |
| Equity capital | 100,149,000 | 140,276,000 | 141,218,000 | 145,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,509,000 | 16,968,000 | 25,639,000 | 35,400,000 |
| Interest expense | 1,845,000 | 3,660,000 | 5,470,000 | 7,330,000 |
| Net interest income | 6,664,000 | 13,308,000 | 20,169,000 | 28,070,000 |
| Noninterest income | 1,333,000 | 2,032,000 | 2,905,000 | 3,121,000 |
| Noninterest expense | 6,364,000 | 11,614,000 | 17,221,000 | 22,924,000 |
| Provision for loan losses | 0 | -20,000 | -95,000 | -527,000 |
| Pretax income | 1,717,000 | 3,854,000 | 6,094,000 | 9,026,000 |
| Income tax | 0 | -35,899,000 | -35,244,000 | -34,483,000 |
| Net income | 1,717,000 | 39,753,000 | 41,338,000 | 43,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,986,000 | 110,086,000 | 112,185,000 | 115,057,000 |
| Total capital | 114,726,000 | 119,803,000 | 122,704,000 | 125,984,000 |
| Risk-weighted assets | 776,575,000 | 774,772,000 | 839,631,000 | 873,113,000 |