Call reports 2025
RELIANCE STATE BANK — 2025
What RELIANCE STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 299,119,000 | 294,280,000 | 289,695,000 | 284,908,000 |
| Total loans | 206,202,000 | 202,024,000 | 200,203,000 | 194,607,000 |
| Allowance for loan losses | 2,668,000 | 3,040,000 | 3,012,000 | 2,599,000 |
| Securities available for sale | 79,087,000 | 75,701,000 | 73,291,000 | 69,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,707,000 | 241,564,000 | 245,684,000 | 244,414,000 |
| Interest-bearing deposits | 209,887,000 | 202,425,000 | 206,984,000 | 201,582,000 |
| Noninterest-bearing deposits | 40,820,000 | 39,139,000 | 38,700,000 | 42,832,000 |
| Equity capital | 25,957,000 | 26,411,000 | 27,652,000 | 28,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,299,000 | 6,465,000 | 9,818,000 | 13,068,000 |
| Interest expense | 1,377,000 | 2,724,000 | 4,040,000 | 5,253,000 |
| Net interest income | 1,922,000 | 3,741,000 | 5,778,000 | 7,815,000 |
| Noninterest income | 155,000 | 319,000 | 474,000 | 626,000 |
| Noninterest expense | 1,188,000 | 2,458,000 | 3,675,000 | 4,981,000 |
| Provision for loan losses | -71,000 | 300,000 | 271,000 | 217,000 |
| Pretax income | 975,000 | 1,293,000 | 2,331,000 | 3,204,000 |
| Income tax | 220,000 | 280,000 | 518,000 | 716,000 |
| Net income | 755,000 | 1,013,000 | 1,813,000 | 2,488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,464,000 | 26,146,000 | 26,720,000 | 26,820,000 |
| Total capital | 29,318,000 | 28,976,000 | 29,536,000 | 29,585,000 |
| Risk-weighted assets | 236,328,000 | 225,971,000 | 224,945,000 | 221,155,000 |