Call reports 2008
RELIANCE STATE BANK — 2008
What RELIANCE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 76,201,000 | 75,396,000 | 73,848,000 | 78,199,000 |
| Total loans | 45,977,000 | 47,695,000 | 47,676,000 | 51,447,000 |
| Allowance for loan losses | 622,000 | 622,000 | 613,000 | 614,000 |
| Securities available for sale | 22,994,000 | 23,038,000 | 22,514,000 | 20,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,030,000 | 63,962,000 | 60,891,000 | 65,806,000 |
| Interest-bearing deposits | 57,378,000 | 55,912,000 | 53,126,000 | 55,504,000 |
| Noninterest-bearing deposits | 7,653,000 | 8,050,000 | 7,766,000 | 10,302,000 |
| Equity capital | 8,339,000 | 8,173,000 | 8,012,000 | 8,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,104,000 | 2,169,000 | 3,251,000 | 4,286,000 |
| Interest expense | 468,000 | 907,000 | 1,328,000 | 1,720,000 |
| Net interest income | 636,000 | 1,262,000 | 1,923,000 | 2,566,000 |
| Noninterest income | 72,000 | 136,000 | 202,000 | 255,000 |
| Noninterest expense | 301,000 | 615,000 | 899,000 | 1,183,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 407,000 | 783,000 | 807,000 | 1,149,000 |
| Income tax | 125,000 | 234,000 | 212,000 | 318,000 |
| Net income | 282,000 | 549,000 | 595,000 | 831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,140,000 | 8,207,000 | 8,053,000 | 8,090,000 |
| Total capital | 8,762,000 | 8,855,000 | 8,696,000 | 8,734,000 |
| Risk-weighted assets | 58,199,000 | 60,335,000 | 60,333,000 | 62,300,000 |