Call reports 2002
REYNOLDS STATE BANK — 2002
What REYNOLDS STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 46,882,000 | 48,985,000 | 50,502,000 | 52,499,000 |
| Total loans | 4,797,000 | 5,521,000 | 5,453,000 | 4,492,000 |
| Allowance for loan losses | 113,000 | 121,000 | 114,000 | 108,000 |
| Securities available for sale | 38,586,000 | 38,855,000 | 40,295,000 | 45,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,229,000 | 39,238,000 | 39,242,000 | 40,516,000 |
| Interest-bearing deposits | 32,987,000 | 35,809,000 | 36,066,000 | 36,726,000 |
| Noninterest-bearing deposits | 3,242,000 | 3,429,000 | 3,176,000 | 3,790,000 |
| Equity capital | 10,012,000 | 9,362,000 | 10,499,000 | 11,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 665,000 | 1,388,000 | 2,152,000 | 2,875,000 |
| Interest expense | 366,000 | 751,000 | 1,148,000 | 1,521,000 |
| Net interest income | 299,000 | 637,000 | 1,004,000 | 1,354,000 |
| Noninterest income | 16,000 | 26,000 | 32,000 | 38,000 |
| Noninterest expense | 102,000 | 196,000 | 279,000 | 484,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 272,000 | 529,000 | 830,000 | 988,000 |
| Income tax | 61,000 | 110,000 | 181,000 | 201,000 |
| Net income | 211,000 | 419,000 | 649,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,718,000 | 9,926,000 | 10,156,000 | 10,204,000 |
| Total capital | 9,831,000 | 10,047,000 | 10,270,000 | 10,312,000 |
| Risk-weighted assets | 13,715,000 | 17,767,000 | 17,634,000 | 14,366,000 |