Call reports 2020
RELIANCE STATE BANK — 2020
What RELIANCE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 230,033,000 | 239,439,000 | 248,613,000 | 259,077,000 |
| Total loans | 155,247,000 | 153,450,000 | 153,026,000 | 155,034,000 |
| Allowance for loan losses | 2,399,000 | 2,902,000 | 2,373,000 | 2,491,000 |
| Securities available for sale | 52,665,000 | 58,124,000 | 62,774,000 | 72,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,665,000 | 204,100,000 | 212,287,000 | 221,784,000 |
| Interest-bearing deposits | 161,235,000 | 163,678,000 | 172,563,000 | 174,437,000 |
| Noninterest-bearing deposits | 34,430,000 | 40,421,000 | 39,724,000 | 47,347,000 |
| Equity capital | 27,885,000 | 28,670,000 | 29,395,000 | 29,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,187,000 | 4,259,000 | 6,683,000 | 8,715,000 |
| Interest expense | 522,000 | 846,000 | 1,143,000 | 1,414,000 |
| Net interest income | 1,665,000 | 3,413,000 | 5,540,000 | 7,301,000 |
| Noninterest income | 202,000 | 334,000 | 523,000 | 759,000 |
| Noninterest expense | 955,000 | 1,915,000 | 2,935,000 | 3,895,000 |
| Provision for loan losses | 194,000 | 694,000 | 744,000 | 859,000 |
| Pretax income | 715,000 | 1,131,000 | 2,378,000 | 3,298,000 |
| Income tax | 159,000 | 233,000 | 521,000 | 720,000 |
| Net income | 556,000 | 898,000 | 1,857,000 | 2,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,355,000 | 22,330,000 | 22,923,000 | 23,278,000 |