Call reports 2007
RELIANCE STATE BANK — 2007
What RELIANCE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 72,715,000 | 72,413,000 | 72,557,000 | 72,762,000 |
| Total loans | 44,886,000 | 47,518,000 | 49,306,000 | 49,954,000 |
| Allowance for loan losses | 623,000 | 629,000 | 619,000 | 622,000 |
| Securities available for sale | 23,942,000 | 22,047,000 | 20,397,000 | 19,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,165,000 | 60,247,000 | 59,710,000 | 61,646,000 |
| Interest-bearing deposits | 54,940,000 | 53,421,000 | 52,749,000 | 53,829,000 |
| Noninterest-bearing deposits | 7,225,000 | 6,826,000 | 6,962,000 | 7,818,000 |
| Equity capital | 7,899,000 | 7,852,000 | 8,025,000 | 8,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,056,000 | 2,166,000 | 3,303,000 | 4,429,000 |
| Interest expense | 492,000 | 992,000 | 1,525,000 | 2,023,000 |
| Net interest income | 564,000 | 1,174,000 | 1,778,000 | 2,406,000 |
| Noninterest income | 58,000 | 135,000 | 193,000 | 248,000 |
| Noninterest expense | 345,000 | 648,000 | 996,000 | 1,287,000 |
| Provision for loan losses | 0 | 5,000 | -6,000 | -7,000 |
| Pretax income | 277,000 | 656,000 | 981,000 | 1,374,000 |
| Income tax | 72,000 | 191,000 | 275,000 | 405,000 |
| Net income | 205,000 | 465,000 | 706,000 | 969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,885,000 | 7,949,000 | 7,995,000 | 8,058,000 |
| Total capital | 8,508,000 | 8,578,000 | 8,614,000 | 8,680,000 |
| Risk-weighted assets | 54,286,000 | 56,946,000 | 58,465,000 | 59,940,000 |