Call reports 2015
FIRST RELIANCE BANK — 2015
What FIRST RELIANCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 375,148,000 | 379,416,000 | 385,854,000 | 373,502,000 |
| Total loans | 262,910,000 | 275,726,000 | 278,212,000 | 271,604,000 |
| Allowance for loan losses | 2,765,000 | 2,560,000 | 2,663,000 | 2,698,000 |
| Securities available for sale | 12,527,000 | 11,646,000 | 11,502,000 | 11,226,000 |
| Securities held to maturity | 29,733,000 | 28,225,000 | 26,557,000 | 25,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,589,000 | 288,675,000 | 291,583,000 | 304,530,000 |
| Interest-bearing deposits | 223,552,000 | 218,036,000 | 217,976,000 | 235,777,000 |
| Noninterest-bearing deposits | 71,037,000 | 70,639,000 | 73,607,000 | 68,753,000 |
| Equity capital | 43,782,000 | 46,958,000 | 47,727,000 | 47,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,704,000 | 7,480,000 | 11,328,000 | 15,099,000 |
| Interest expense | 185,000 | 327,000 | 460,000 | 612,000 |
| Net interest income | 3,519,000 | 7,153,000 | 10,868,000 | 14,487,000 |
| Noninterest income | 1,138,000 | 2,850,000 | 4,872,000 | 7,762,000 |
| Noninterest expense | 3,974,000 | 9,132,000 | 13,752,000 | 18,619,000 |
| Provision for loan losses | 77,000 | 161,000 | 191,000 | 779,000 |
| Pretax income | 606,000 | 720,000 | 1,807,000 | 2,861,000 |
| Income tax | 22,000 | -6,285,000 | -5,926,000 | -5,579,000 |
| Net income | 584,000 | 7,005,000 | 7,733,000 | 8,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,669,000 | 39,317,000 | 39,971,000 | 40,245,000 |
| Total capital | 45,431,000 | 41,877,000 | 42,634,000 | 42,943,000 |
| Risk-weighted assets | 300,016,000 | 309,837,000 | 308,996,000 | 311,316,000 |