Call reports 2012
FIRST RELIANCE BANK — 2012
What FIRST RELIANCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 485,481,000 | 470,977,000 | 439,030,000 | 418,084,000 |
| Total loans | 296,997,000 | 291,039,000 | 282,550,000 | 269,244,000 |
| Allowance for loan losses | 5,749,000 | 5,242,000 | 4,341,000 | 4,167,000 |
| Securities available for sale | 84,795,000 | 82,752,000 | 64,494,000 | 60,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,341,000 | 403,212,000 | 368,280,000 | 353,210,000 |
| Interest-bearing deposits | 356,870,000 | 341,584,000 | 307,979,000 | 291,291,000 |
| Noninterest-bearing deposits | 61,471,000 | 61,628,000 | 60,301,000 | 61,919,000 |
| Equity capital | 46,941,000 | 47,405,000 | 47,820,000 | 46,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,119,000 | 9,925,000 | 14,747,000 | 18,927,000 |
| Interest expense | 1,274,000 | 2,403,000 | 3,383,000 | 4,243,000 |
| Net interest income | 3,845,000 | 7,522,000 | 11,364,000 | 14,684,000 |
| Noninterest income | 1,000,000 | 1,641,000 | 2,718,000 | 3,634,000 |
| Noninterest expense | 4,324,000 | 8,769,000 | 13,851,000 | 17,850,000 |
| Provision for loan losses | 600,000 | 600,000 | 951,000 | 1,946,000 |
| Pretax income | 82,000 | 302,000 | 1,086,000 | 328,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 82,000 | 302,000 | 1,086,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,144,000 | 45,364,000 | 46,149,000 | 45,383,000 |
| Total capital | 49,569,000 | 49,678,000 | 50,239,000 | 49,307,000 |
| Risk-weighted assets | 352,668,000 | 344,238,000 | 326,965,000 | 313,687,000 |