Call reports 2004
REYNOLDS STATE BANK — 2004
What REYNOLDS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 63,626,000 | 63,375,000 | 67,161,000 | 70,097,000 |
| Total loans | 4,325,000 | 4,160,000 | 4,680,000 | 3,861,000 |
| Allowance for loan losses | 196,000 | 198,000 | 204,000 | 204,000 |
| Securities available for sale | 55,042,000 | 54,960,000 | 58,409,000 | 59,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,473,000 | 51,479,000 | 53,593,000 | 57,353,000 |
| Interest-bearing deposits | 46,713,000 | 47,732,000 | 50,295,000 | 53,059,000 |
| Noninterest-bearing deposits | 3,760,000 | 3,747,000 | 3,298,000 | 4,294,000 |
| Equity capital | 12,180,000 | 11,493,000 | 12,666,000 | 12,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,697,000 | 2,475,000 | 3,345,000 |
| Interest expense | 345,000 | 690,000 | 1,049,000 | 1,417,000 |
| Net interest income | 536,000 | 1,007,000 | 1,426,000 | 1,928,000 |
| Noninterest income | 5,000 | 8,000 | 11,000 | 17,000 |
| Noninterest expense | 111,000 | 213,000 | 307,000 | 536,000 |
| Provision for loan losses | 0 | 0 | 0 | 149,000 |
| Pretax income | 445,000 | 736,000 | 1,064,000 | 1,194,000 |
| Income tax | 109,000 | 149,000 | 211,000 | 293,000 |
| Net income | 336,000 | 587,000 | 853,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,465,000 | 11,716,000 | 11,982,000 | 11,730,000 |
| Total capital | 11,661,000 | 11,914,000 | 12,186,000 | 11,934,000 |
| Risk-weighted assets | 20,548,000 | 20,760,000 | 21,664,000 | 22,079,000 |