Call reports 2003
RELIANCE STATE BANK — 2003
What RELIANCE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,334,000 | 69,827,000 | 68,694,000 | 72,581,000 |
| Total loans | 40,456,000 | 39,827,000 | 41,159,000 | 41,060,000 |
| Allowance for loan losses | 696,000 | 611,000 | 633,000 | 651,000 |
| Securities available for sale | 19,194,000 | 18,616,000 | 19,438,000 | 23,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,795,000 | 60,130,000 | 58,762,000 | 63,186,000 |
| Interest-bearing deposits | 52,848,000 | 54,309,000 | 53,077,000 | 54,991,000 |
| Noninterest-bearing deposits | 5,947,000 | 5,821,000 | 5,685,000 | 8,195,000 |
| Equity capital | 7,754,000 | 7,826,000 | 7,728,000 | 7,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 918,000 | 1,811,000 | 2,702,000 | 3,598,000 |
| Interest expense | 339,000 | 681,000 | 1,000,000 | 1,309,000 |
| Net interest income | 579,000 | 1,130,000 | 1,702,000 | 2,289,000 |
| Noninterest income | 85,000 | 167,000 | 287,000 | 359,000 |
| Noninterest expense | 326,000 | 669,000 | 984,000 | 1,281,000 |
| Provision for loan losses | 15,000 | 267,000 | 282,000 | 297,000 |
| Pretax income | 323,000 | 361,000 | 723,000 | 1,087,000 |
| Income tax | 87,000 | 69,000 | 177,000 | 277,000 |
| Net income | 236,000 | 292,000 | 546,000 | 810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,167,000 | 7,073,000 | 7,177,000 | 7,266,000 |
| Total capital | 7,757,000 | 7,661,000 | 7,773,000 | 7,902,000 |
| Risk-weighted assets | 47,065,000 | 46,993,000 | 47,629,000 | 50,867,000 |