Call reports 2004
RELIANCE STATE BANK — 2004
What RELIANCE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 72,355,000 | 70,540,000 | 71,354,000 | 74,426,000 |
| Total loans | 40,037,000 | 40,188,000 | 41,737,000 | 42,640,000 |
| Allowance for loan losses | 666,000 | 667,000 | 672,000 | 677,000 |
| Securities available for sale | 25,945,000 | 24,689,000 | 25,570,000 | 24,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,749,000 | 60,789,000 | 60,601,000 | 64,285,000 |
| Interest-bearing deposits | 56,176,000 | 54,242,000 | 53,308,000 | 57,033,000 |
| Noninterest-bearing deposits | 6,572,000 | 6,547,000 | 7,293,000 | 7,252,000 |
| Equity capital | 7,933,000 | 7,577,000 | 7,828,000 | 7,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 884,000 | 1,767,000 | 2,660,000 | 3,567,000 |
| Interest expense | 299,000 | 584,000 | 879,000 | 1,192,000 |
| Net interest income | 585,000 | 1,183,000 | 1,781,000 | 2,375,000 |
| Noninterest income | 65,000 | 141,000 | 225,000 | 307,000 |
| Noninterest expense | 346,000 | 678,000 | 1,005,000 | 1,330,000 |
| Provision for loan losses | 23,000 | 23,000 | 26,000 | 26,000 |
| Pretax income | 281,000 | 623,000 | 975,000 | 1,326,000 |
| Income tax | 69,000 | 158,000 | 258,000 | 290,000 |
| Net income | 212,000 | 465,000 | 717,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,303,000 | 7,381,000 | 7,458,000 | 7,602,000 |
| Total capital | 7,920,000 | 7,999,000 | 8,091,000 | 8,262,000 |
| Risk-weighted assets | 49,334,000 | 49,379,000 | 50,624,000 | 52,750,000 |