Call reports 2016
RELIANCE STATE BANK — 2016
What RELIANCE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 220,777,000 | 217,067,000 | 217,316,000 | 222,663,000 |
| Total loans | 132,958,000 | 131,027,000 | 134,250,000 | 144,023,000 |
| Allowance for loan losses | 1,835,000 | 1,843,000 | 1,847,000 | 1,852,000 |
| Securities available for sale | 74,944,000 | 72,790,000 | 69,329,000 | 65,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,034,000 | 175,851,000 | 174,141,000 | 174,649,000 |
| Interest-bearing deposits | 149,659,000 | 142,021,000 | 143,116,000 | 136,646,000 |
| Noninterest-bearing deposits | 34,374,000 | 33,831,000 | 31,025,000 | 38,004,000 |
| Equity capital | 28,888,000 | 29,701,000 | 29,907,000 | 29,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,937,000 | 3,907,000 | 5,870,000 | 7,843,000 |
| Interest expense | 165,000 | 325,000 | 490,000 | 653,000 |
| Net interest income | 1,772,000 | 3,582,000 | 5,380,000 | 7,190,000 |
| Noninterest income | 175,000 | 329,000 | 502,000 | 666,000 |
| Noninterest expense | 949,000 | 1,800,000 | 2,739,000 | 3,672,000 |
| Provision for loan losses | 141,000 | 147,000 | 152,000 | 157,000 |
| Pretax income | 857,000 | 1,964,000 | 3,005,000 | 4,041,000 |
| Income tax | 256,000 | 603,000 | 934,000 | 1,262,000 |
| Net income | 601,000 | 1,361,000 | 2,071,000 | 2,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,745,000 | 23,244,000 | 23,692,000 | 24,139,000 |
| Total capital | 24,683,000 | 25,191,000 | 25,642,000 | 26,095,000 |
| Risk-weighted assets | 180,764,000 | 174,113,000 | 175,357,000 | 184,658,000 |