Call reports 2009
FIRST RELIANCE BANK — 2009
What FIRST RELIANCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 636,895,000 | 695,964,000 | 684,055,000 | 645,216,000 |
| Total loans | 492,472,000 | 466,828,000 | 441,497,000 | 415,683,000 |
| Allowance for loan losses | 7,331,000 | 7,541,000 | 7,836,000 | 9,423,000 |
| Securities available for sale | 73,503,000 | 89,531,000 | 78,962,000 | 121,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,257,000 | 580,152,000 | 574,385,000 | 555,773,000 |
| Interest-bearing deposits | 453,866,000 | 532,792,000 | 527,670,000 | 508,464,000 |
| Noninterest-bearing deposits | 53,391,000 | 47,360,000 | 46,715,000 | 47,309,000 |
| Equity capital | 56,818,000 | 55,399,000 | 57,841,000 | 51,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,818,000 | 15,650,000 | 24,776,000 | 32,118,000 |
| Interest expense | 3,552,000 | 7,395,000 | 11,357,000 | 14,997,000 |
| Net interest income | 4,266,000 | 8,255,000 | 13,419,000 | 17,121,000 |
| Noninterest income | 1,705,000 | 2,986,000 | 4,553,000 | 5,821,000 |
| Noninterest expense | 4,579,000 | 9,249,000 | 14,239,000 | 20,123,000 |
| Provision for loan losses | 1,300,000 | 4,856,000 | 8,122,000 | 14,023,000 |
| Pretax income | 92,000 | -1,835,000 | -2,514,000 | -9,327,000 |
| Income tax | -103,000 | -991,000 | -1,464,000 | -3,959,000 |
| Net income | 195,000 | -844,000 | -1,050,000 | -5,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,674,000 | 56,638,000 | 57,432,000 | 50,689,000 |
| Total capital | 63,120,000 | 62,925,000 | 63,495,000 | 56,631,000 |
| Risk-weighted assets | 514,804,000 | 501,730,000 | 483,277,000 | 471,879,000 |