Call reports 2002
RELIANCE STATE BANK — 2002
What RELIANCE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 62,334,000 | 63,028,000 | 64,482,000 | 64,946,000 |
| Total loans | 38,953,000 | 38,361,000 | 40,282,000 | 41,599,000 |
| Allowance for loan losses | 635,000 | 651,000 | 666,000 | 681,000 |
| Securities available for sale | 18,915,000 | 19,292,000 | 18,433,000 | 19,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,719,000 | 54,149,000 | 55,239,000 | 55,645,000 |
| Interest-bearing deposits | 49,570,000 | 49,993,000 | 50,394,000 | 50,245,000 |
| Noninterest-bearing deposits | 4,149,000 | 4,156,000 | 4,845,000 | 5,400,000 |
| Equity capital | 6,957,000 | 7,256,000 | 7,593,000 | 7,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 990,000 | 1,959,000 | 2,935,000 | 3,910,000 |
| Interest expense | 456,000 | 885,000 | 1,300,000 | 1,672,000 |
| Net interest income | 534,000 | 1,074,000 | 1,635,000 | 2,238,000 |
| Noninterest income | 63,000 | 129,000 | 219,000 | 378,000 |
| Noninterest expense | 294,000 | 585,000 | 866,000 | 1,197,000 |
| Provision for loan losses | 15,000 | 31,000 | 46,000 | 101,000 |
| Pretax income | 288,000 | 587,000 | 942,000 | 1,318,000 |
| Income tax | 69,000 | 135,000 | 219,000 | 309,000 |
| Net income | 219,000 | 452,000 | 723,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,741,000 | 6,823,000 | 6,945,000 | 7,081,000 |
| Total capital | 7,306,000 | 7,377,000 | 7,531,000 | 7,684,000 |
| Risk-weighted assets | 45,095,000 | 44,246,000 | 46,765,000 | 48,185,000 |