Call reports 2015
RELIANCE BANK — 2015
What RELIANCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,181,354,000 | 1,173,934,000 | 1,167,795,000 | 1,215,009,000 |
| Total loans | 728,069,000 | 738,750,000 | 727,146,000 | 779,458,000 |
| Allowance for loan losses | 12,074,000 | 12,038,000 | 12,048,000 | 12,039,000 |
| Securities available for sale | 308,912,000 | 298,603,000 | 306,245,000 | 296,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 906,750,000 | 897,378,000 | 894,355,000 | 940,853,000 |
| Interest-bearing deposits | 817,539,000 | 804,601,000 | 785,966,000 | 828,919,000 |
| Noninterest-bearing deposits | 89,211,000 | 92,777,000 | 108,389,000 | 111,934,000 |
| Equity capital | 148,720,000 | 148,046,000 | 152,103,000 | 150,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,470,000 | 18,627,000 | 27,806,000 | 37,060,000 |
| Interest expense | 1,869,000 | 3,776,000 | 5,650,000 | 7,291,000 |
| Net interest income | 7,601,000 | 14,851,000 | 22,156,000 | 29,769,000 |
| Noninterest income | 963,000 | 1,842,000 | 2,755,000 | 3,129,000 |
| Noninterest expense | 6,273,000 | 11,892,000 | 17,476,000 | 26,868,000 |
| Provision for loan losses | 0 | -22,000 | -22,000 | -989,000 |
| Pretax income | 2,401,000 | 5,020,000 | 7,744,000 | 7,501,000 |
| Income tax | 621,000 | 1,270,000 | 2,032,000 | 1,643,000 |
| Net income | 1,780,000 | 3,750,000 | 5,712,000 | 5,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,178,000 | 122,700,000 | 125,335,000 | 124,345,000 |
| Total capital | 132,079,000 | 134,705,000 | 137,383,000 | 136,384,000 |
| Risk-weighted assets | 934,908,000 | 943,649,000 | 949,321,000 | 996,290,000 |