Call reports 2016
RELIANCE BANK — 2016
What RELIANCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,222,052,000 | 1,236,615,000 | 1,264,791,000 | 1,295,290,000 |
| Total loans | 793,786,000 | 781,073,000 | 822,901,000 | 865,316,000 |
| Allowance for loan losses | 12,183,000 | 12,437,000 | 12,475,000 | 12,518,000 |
| Securities available for sale | 293,851,000 | 323,151,000 | 302,823,000 | 283,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 925,797,000 | 940,175,000 | 950,876,000 | 988,443,000 |
| Interest-bearing deposits | 815,742,000 | 830,106,000 | 840,478,000 | 875,927,000 |
| Noninterest-bearing deposits | 110,055,000 | 110,070,000 | 110,398,000 | 112,516,000 |
| Equity capital | 155,355,000 | 158,984,000 | 161,341,000 | 157,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,514,000 | 19,112,000 | 28,764,000 | 38,941,000 |
| Interest expense | 1,540,000 | 3,159,000 | 4,881,000 | 6,705,000 |
| Net interest income | 7,974,000 | 15,953,000 | 23,883,000 | 32,236,000 |
| Noninterest income | 842,000 | 1,766,000 | 2,719,000 | 3,450,000 |
| Noninterest expense | 5,652,000 | 11,389,000 | 16,766,000 | 21,981,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,356,000 | 7,059,000 | 10,861,000 | 14,779,000 |
| Income tax | 932,000 | 2,018,000 | 3,067,000 | 4,182,000 |
| Net income | 2,424,000 | 5,041,000 | 7,794,000 | 10,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,357,000 | 131,108,000 | 134,766,000 | 138,479,000 |
| Total capital | 139,540,000 | 143,545,000 | 147,241,000 | 150,997,000 |
| Risk-weighted assets | 1,030,306,000 | 1,026,444,000 | 1,099,745,000 | 1,124,706,000 |