Call reports 2006
RELIANCE STATE BANK — 2006
What RELIANCE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 69,054,000 | 72,572,000 | 70,669,000 | 73,862,000 |
| Total loans | 43,681,000 | 42,445,000 | 42,605,000 | 43,621,000 |
| Allowance for loan losses | 672,000 | 622,000 | 620,000 | 623,000 |
| Securities available for sale | 21,630,000 | 23,740,000 | 24,915,000 | 24,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,230,000 | 62,148,000 | 59,694,000 | 63,917,000 |
| Interest-bearing deposits | 51,726,000 | 55,089,000 | 53,106,000 | 55,791,000 |
| Noninterest-bearing deposits | 6,504,000 | 7,059,000 | 6,588,000 | 8,126,000 |
| Equity capital | 7,640,000 | 7,611,000 | 7,840,000 | 7,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 939,000 | 1,931,000 | 2,965,000 | 3,991,000 |
| Interest expense | 388,000 | 820,000 | 1,291,000 | 1,762,000 |
| Net interest income | 551,000 | 1,111,000 | 1,674,000 | 2,229,000 |
| Noninterest income | 65,000 | 144,000 | 219,000 | 278,000 |
| Noninterest expense | 343,000 | 694,000 | 1,016,000 | 1,354,000 |
| Provision for loan losses | 0 | -50,000 | -50,000 | -50,000 |
| Pretax income | 273,000 | 611,000 | 927,000 | 1,203,000 |
| Income tax | 69,000 | 139,000 | 231,000 | 301,000 |
| Net income | 204,000 | 472,000 | 696,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,738,000 | 7,818,000 | 7,855,000 | 7,874,000 |
| Total capital | 8,381,000 | 8,440,000 | 8,475,000 | 8,497,000 |
| Risk-weighted assets | 51,429,000 | 51,953,000 | 51,961,000 | 53,778,000 |