Call reports 2014
RELIANCE STATE BANK — 2014
What RELIANCE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 227,086,000 | 220,148,000 | 214,556,000 | 219,474,000 |
| Total loans | 105,462,000 | 109,099,000 | 115,464,000 | 127,673,000 |
| Allowance for loan losses | 1,436,000 | 1,471,000 | 1,489,000 | 1,657,000 |
| Securities available for sale | 95,688,000 | 96,187,000 | 82,208,000 | 77,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,943,000 | 180,829,000 | 180,283,000 | 174,634,000 |
| Interest-bearing deposits | 162,839,000 | 148,295,000 | 147,838,000 | 139,873,000 |
| Noninterest-bearing deposits | 33,104,000 | 32,534,000 | 32,445,000 | 34,762,000 |
| Equity capital | 25,012,000 | 25,974,000 | 26,396,000 | 26,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,831,000 | 3,681,000 | 5,534,000 | 7,435,000 |
| Interest expense | 218,000 | 428,000 | 618,000 | 810,000 |
| Net interest income | 1,613,000 | 3,253,000 | 4,916,000 | 6,625,000 |
| Noninterest income | 143,000 | 293,000 | 444,000 | 465,000 |
| Noninterest expense | 905,000 | 1,816,000 | 2,708,000 | 3,615,000 |
| Provision for loan losses | 36,000 | 69,000 | 90,000 | 255,000 |
| Pretax income | 815,000 | 1,661,000 | 2,601,000 | 3,342,000 |
| Income tax | 227,000 | 466,000 | 748,000 | 950,000 |
| Net income | 588,000 | 1,195,000 | 1,853,000 | 2,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,583,000 | 19,053,000 | 19,568,000 | 19,966,000 |
| Total capital | 20,105,000 | 20,627,000 | 21,161,000 | 21,727,000 |
| Risk-weighted assets | 151,800,000 | 150,459,000 | 155,124,000 | 164,574,000 |