Call reports 2023
RELIANCE STATE BANK — 2023
What RELIANCE STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 296,196,000 | 296,298,000 | 301,862,000 | 313,261,000 |
| Total loans | 177,160,000 | 181,896,000 | 189,162,000 | 203,027,000 |
| Allowance for loan losses | 2,345,000 | 2,383,000 | 2,434,000 | 2,579,000 |
| Securities available for sale | 101,502,000 | 97,930,000 | 95,261,000 | 92,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,724,000 | 238,087,000 | 236,895,000 | 244,646,000 |
| Interest-bearing deposits | 205,841,000 | 191,914,000 | 194,802,000 | 196,237,000 |
| Noninterest-bearing deposits | 50,883,000 | 46,173,000 | 42,093,000 | 48,409,000 |
| Equity capital | 22,849,000 | 22,437,000 | 21,088,000 | 23,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,465,000 | 5,126,000 | 8,027,000 | 11,058,000 |
| Interest expense | 832,000 | 1,938,000 | 3,358,000 | 4,875,000 |
| Net interest income | 1,633,000 | 3,188,000 | 4,669,000 | 6,183,000 |
| Noninterest income | 152,000 | 288,000 | 418,000 | 550,000 |
| Noninterest expense | 1,085,000 | 2,119,000 | 3,163,000 | 4,240,000 |
| Provision for loan losses | 76,000 | 113,000 | 163,000 | 342,000 |
| Pretax income | 619,000 | 1,230,000 | 1,756,000 | 2,168,000 |
| Income tax | 133,000 | 265,000 | 376,000 | 458,000 |
| Net income | 486,000 | 965,000 | 1,380,000 | 1,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,815,000 | 25,927,000 | 25,974,000 | 25,937,000 |
| Total capital | 28,417,000 | 28,570,000 | 28,670,000 | 28,755,000 |
| Risk-weighted assets | 218,698,000 | 224,308,000 | 238,510,000 | 240,890,000 |