Call reports 2015
RELIANCE STATE BANK — 2015
What RELIANCE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 218,108,000 | 210,354,000 | 215,859,000 | 219,599,000 |
| Total loans | 117,749,000 | 120,368,000 | 126,564,000 | 131,691,000 |
| Allowance for loan losses | 1,670,000 | 1,686,000 | 1,691,000 | 1,693,000 |
| Securities available for sale | 83,086,000 | 77,018,000 | 74,376,000 | 71,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,719,000 | 171,395,000 | 177,273,000 | 185,399,000 |
| Interest-bearing deposits | 151,194,000 | 138,779,000 | 145,386,000 | 147,059,000 |
| Noninterest-bearing deposits | 32,525,000 | 32,616,000 | 31,887,000 | 38,339,000 |
| Equity capital | 27,506,000 | 27,383,000 | 28,030,000 | 28,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,827,000 | 3,682,000 | 5,555,000 | 7,469,000 |
| Interest expense | 174,000 | 346,000 | 501,000 | 661,000 |
| Net interest income | 1,653,000 | 3,336,000 | 5,054,000 | 6,808,000 |
| Noninterest income | 155,000 | 281,000 | 457,000 | 551,000 |
| Noninterest expense | 923,000 | 1,824,000 | 2,727,000 | 3,628,000 |
| Provision for loan losses | 12,000 | 24,000 | 33,000 | 42,000 |
| Pretax income | 873,000 | 1,782,000 | 2,764,000 | 3,702,000 |
| Income tax | 259,000 | 534,000 | 842,000 | 1,133,000 |
| Net income | 614,000 | 1,248,000 | 1,922,000 | 2,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,266,000 | 21,658,000 | 22,088,000 | 22,491,000 |
| Total capital | 23,040,000 | 23,448,000 | 23,883,000 | 24,287,000 |
| Risk-weighted assets | 165,431,000 | 164,752,000 | 169,013,000 | 176,258,000 |