Call reports 2006
REYNOLDS STATE BANK — 2006
What REYNOLDS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 58,160,000 | 57,330,000 | 58,857,000 | 58,931,000 |
| Total loans | 4,659,000 | 4,757,000 | 5,730,000 | 4,537,000 |
| Allowance for loan losses | 220,000 | 225,000 | 225,000 | 225,000 |
| Securities available for sale | 51,197,000 | 49,139,000 | 50,605,000 | 51,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,811,000 | 45,534,000 | 45,655,000 | 45,975,000 |
| Interest-bearing deposits | 42,035,000 | 41,966,000 | 42,074,000 | 41,756,000 |
| Noninterest-bearing deposits | 3,776,000 | 3,568,000 | 3,581,000 | 4,219,000 |
| Equity capital | 11,934,000 | 11,461,000 | 12,825,000 | 12,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 785,000 | 1,545,000 | 2,309,000 | 3,101,000 |
| Interest expense | 351,000 | 712,000 | 1,099,000 | 1,506,000 |
| Net interest income | 434,000 | 833,000 | 1,210,000 | 1,595,000 |
| Noninterest income | 3,000 | 7,000 | 11,000 | 14,000 |
| Noninterest expense | 122,000 | 216,000 | 323,000 | 572,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 352,000 | 688,000 | 967,000 | 1,106,000 |
| Income tax | 67,000 | 136,000 | 190,000 | 144,000 |
| Net income | 285,000 | 552,000 | 777,000 | 962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,761,000 | 13,028,000 | 13,253,000 | 13,138,000 |
| Total capital | 12,981,000 | 13,253,000 | 13,478,000 | 13,363,000 |
| Risk-weighted assets | 20,164,000 | 20,453,000 | 20,507,000 | 19,762,000 |