Call reports 2007
REYNOLDS STATE BANK — 2007
What REYNOLDS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 58,112,000 | 57,090,000 | 59,924,000 | 61,610,000 |
| Total loans | 4,746,000 | 5,099,000 | 5,491,000 | 5,203,000 |
| Allowance for loan losses | 225,000 | 226,000 | 226,000 | 244,000 |
| Securities available for sale | 51,895,000 | 49,909,000 | 50,766,000 | 53,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,513,000 | 43,803,000 | 46,014,000 | 47,345,000 |
| Interest-bearing deposits | 40,728,000 | 40,465,000 | 42,232,000 | 42,692,000 |
| Noninterest-bearing deposits | 3,785,000 | 3,338,000 | 3,782,000 | 4,653,000 |
| Equity capital | 12,980,000 | 12,585,000 | 13,520,000 | 13,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 774,000 | 1,540,000 | 2,311,000 | 3,137,000 |
| Interest expense | 396,000 | 804,000 | 1,215,000 | 1,655,000 |
| Net interest income | 378,000 | 736,000 | 1,096,000 | 1,482,000 |
| Noninterest income | 3,000 | 14,000 | 18,000 | 21,000 |
| Noninterest expense | 115,000 | 209,000 | 294,000 | 560,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 259,000 | 533,000 | 812,000 | 936,000 |
| Income tax | 51,000 | 103,000 | 154,000 | 149,000 |
| Net income | 208,000 | 430,000 | 658,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,346,000 | 13,568,000 | 13,796,000 | 13,625,000 |
| Total capital | 13,571,000 | 13,794,000 | 14,022,000 | 13,869,000 |
| Risk-weighted assets | 19,507,000 | 20,123,000 | 20,404,000 | 20,989,000 |