Call reports 2003
REYNOLDS STATE BANK — 2003
What REYNOLDS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 54,078,000 | 57,938,000 | 59,891,000 | 62,026,000 |
| Total loans | 4,527,000 | 4,973,000 | 5,322,000 | 4,535,000 |
| Allowance for loan losses | 110,000 | 112,000 | 172,000 | 196,000 |
| Securities available for sale | 45,001,000 | 47,611,000 | 49,410,000 | 53,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,309,000 | 45,134,000 | 47,743,000 | 49,999,000 |
| Interest-bearing deposits | 38,557,000 | 41,473,000 | 44,306,000 | 46,037,000 |
| Noninterest-bearing deposits | 3,752,000 | 3,661,000 | 3,437,000 | 3,962,000 |
| Equity capital | 11,000,000 | 11,805,000 | 11,460,000 | 11,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 710,000 | 1,439,000 | 2,228,000 | 3,008,000 |
| Interest expense | 349,000 | 705,000 | 1,044,000 | 1,389,000 |
| Net interest income | 361,000 | 734,000 | 1,184,000 | 1,619,000 |
| Noninterest income | 6,000 | 11,000 | 14,000 | 67,000 |
| Noninterest expense | 91,000 | 187,000 | 286,000 | 505,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 397,000 | 740,000 | 1,126,000 | 1,397,000 |
| Income tax | 100,000 | 169,000 | 251,000 | 322,000 |
| Net income | 297,000 | 571,000 | 875,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,501,000 | 10,775,000 | 11,079,000 | 11,129,000 |
| Total capital | 10,611,000 | 10,887,000 | 11,251,000 | 11,325,000 |
| Risk-weighted assets | 15,741,000 | 16,471,000 | 19,909,000 | 19,906,000 |