Call reports 2009
RELIANCE STATE BANK — 2009
What RELIANCE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 74,822,000 | 74,789,000 | 76,233,000 | 79,498,000 |
| Total loans | 48,048,000 | 48,087,000 | 50,332,000 | 50,106,000 |
| Allowance for loan losses | 601,000 | 603,000 | 653,000 | 729,000 |
| Securities available for sale | 20,974,000 | 21,959,000 | 21,844,000 | 23,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,916,000 | 62,978,000 | 63,146,000 | 65,978,000 |
| Interest-bearing deposits | 55,861,000 | 54,758,000 | 54,958,000 | 56,682,000 |
| Noninterest-bearing deposits | 8,055,000 | 8,220,000 | 8,188,000 | 9,297,000 |
| Equity capital | 8,344,000 | 8,419,000 | 8,590,000 | 8,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 1,956,000 | 2,932,000 | 3,898,000 |
| Interest expense | 351,000 | 683,000 | 994,000 | 1,285,000 |
| Net interest income | 635,000 | 1,273,000 | 1,938,000 | 2,613,000 |
| Noninterest income | 80,000 | 154,000 | 221,000 | -1,000 |
| Noninterest expense | 298,000 | 672,000 | 1,099,000 | 1,316,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 60,000 |
| Pretax income | 417,000 | 719,000 | 974,000 | 1,240,000 |
| Income tax | 126,000 | 208,000 | 279,000 | 352,000 |
| Net income | 291,000 | 511,000 | 695,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,181,000 | 8,200,000 | 8,184,000 | 8,179,000 |
| Total capital | 8,807,000 | 8,828,000 | 8,865,000 | 8,936,000 |
| Risk-weighted assets | 59,763,000 | 64,945,000 | 59,959,000 | 60,825,000 |