Call reports 2005
RELIANCE STATE BANK — 2005
What RELIANCE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 71,719,000 | 70,463,000 | 69,766,000 | 70,473,000 |
| Total loans | 41,660,000 | 42,173,000 | 43,208,000 | 43,147,000 |
| Allowance for loan losses | 678,000 | 669,000 | 669,000 | 671,000 |
| Securities available for sale | 25,103,000 | 24,898,000 | 23,564,000 | 22,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,085,000 | 60,340,000 | 59,427,000 | 60,633,000 |
| Interest-bearing deposits | 54,847,000 | 53,814,000 | 50,951,000 | 53,337,000 |
| Noninterest-bearing deposits | 6,238,000 | 6,526,000 | 8,476,000 | 7,296,000 |
| Equity capital | 7,675,000 | 7,898,000 | 7,797,000 | 7,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 898,000 | 1,820,000 | 2,737,000 | 3,673,000 |
| Interest expense | 328,000 | 676,000 | 1,042,000 | 1,423,000 |
| Net interest income | 570,000 | 1,144,000 | 1,695,000 | 2,250,000 |
| Noninterest income | 70,000 | 150,000 | 225,000 | 291,000 |
| Noninterest expense | 340,000 | 654,000 | 986,000 | 1,338,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 287,000 | 627,000 | 936,000 | 1,205,000 |
| Income tax | 89,000 | 169,000 | 266,000 | 336,000 |
| Net income | 198,000 | 458,000 | 670,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,626,000 | 7,710,000 | 7,747,000 | 7,721,000 |
| Total capital | 8,275,000 | 8,342,000 | 8,390,000 | 8,367,000 |
| Risk-weighted assets | 51,913,000 | 50,557,000 | 51,375,000 | 51,630,000 |