Call reports 2005
REYNOLDS STATE BANK — 2005
What REYNOLDS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 63,535,000 | 63,555,000 | 62,734,000 | 61,514,000 |
| Total loans | 3,876,000 | 4,325,000 | 4,889,000 | 4,111,000 |
| Allowance for loan losses | 204,000 | 211,000 | 211,000 | 218,000 |
| Securities available for sale | 56,880,000 | 56,436,000 | 56,013,000 | 54,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,098,000 | 50,033,000 | 49,321,000 | 49,102,000 |
| Interest-bearing deposits | 47,511,000 | 46,443,000 | 45,914,000 | 44,118,000 |
| Noninterest-bearing deposits | 3,587,000 | 3,590,000 | 3,407,000 | 4,984,000 |
| Equity capital | 11,962,000 | 12,839,000 | 12,757,000 | 12,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 864,000 | 1,687,000 | 2,500,000 | 3,315,000 |
| Interest expense | 352,000 | 694,000 | 1,052,000 | 1,413,000 |
| Net interest income | 512,000 | 993,000 | 1,448,000 | 1,902,000 |
| Noninterest income | 4,000 | 6,000 | 10,000 | 14,000 |
| Noninterest expense | 104,000 | 207,000 | 296,000 | 554,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 450,000 | 835,000 | 1,206,000 | 1,417,000 |
| Income tax | 34,000 | 106,000 | 146,000 | 221,000 |
| Net income | 416,000 | 729,000 | 1,060,000 | 1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,146,000 | 12,459,000 | 12,790,000 | 12,476,000 |
| Total capital | 12,350,000 | 12,670,000 | 13,001,000 | 12,694,000 |
| Risk-weighted assets | 20,818,000 | 21,209,000 | 21,639,000 | 20,867,000 |