Call reports 2013
RELIANCE STATE BANK — 2013
What RELIANCE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 224,780,000 | 211,305,000 | 212,703,000 | 221,596,000 |
| Total loans | 93,470,000 | 95,233,000 | 103,104,000 | 117,182,000 |
| Allowance for loan losses | 975,000 | 1,049,000 | 1,137,000 | 1,400,000 |
| Securities available for sale | 109,275,000 | 98,345,000 | 93,297,000 | 88,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,622,000 | 180,929,000 | 181,553,000 | 181,685,000 |
| Interest-bearing deposits | 163,613,000 | 150,271,000 | 152,274,000 | 148,578,000 |
| Noninterest-bearing deposits | 31,009,000 | 30,659,000 | 29,278,000 | 33,107,000 |
| Equity capital | 24,722,000 | 23,099,000 | 24,061,000 | 24,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,712,000 | 3,465,000 | 5,289,000 | 7,211,000 |
| Interest expense | 248,000 | 510,000 | 742,000 | 977,000 |
| Net interest income | 1,464,000 | 2,955,000 | 4,547,000 | 6,234,000 |
| Noninterest income | 202,000 | 328,000 | 491,000 | 654,000 |
| Noninterest expense | 895,000 | 1,780,000 | 2,649,000 | 3,524,000 |
| Provision for loan losses | 60,000 | 147,000 | 234,000 | 496,000 |
| Pretax income | 711,000 | 1,438,000 | 2,241,000 | 2,982,000 |
| Income tax | 195,000 | 392,000 | 611,000 | 810,000 |
| Net income | 516,000 | 1,046,000 | 1,630,000 | 2,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,875,000 | 17,273,000 | 17,722,000 | 18,130,000 |
| Total capital | 17,928,000 | 18,401,000 | 18,945,000 | 19,616,000 |
| Risk-weighted assets | 140,814,000 | 141,457,000 | 146,825,000 | 161,445,000 |