Call reports 2008
REYNOLDS STATE BANK — 2008
What REYNOLDS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 63,889,000 | 67,684,000 | 72,990,000 | 76,020,000 |
| Total loans | 4,984,000 | 4,799,000 | 5,043,000 | 5,076,000 |
| Allowance for loan losses | 244,000 | 244,000 | 244,000 | 244,000 |
| Securities available for sale | 56,023,000 | 58,626,000 | 61,994,000 | 60,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,673,000 | 53,237,000 | 58,879,000 | 62,299,000 |
| Interest-bearing deposits | 44,309,000 | 48,958,000 | 54,838,000 | 56,536,000 |
| Noninterest-bearing deposits | 4,364,000 | 4,279,000 | 4,041,000 | 5,763,000 |
| Equity capital | 14,370,000 | 13,932,000 | 13,675,000 | 13,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 799,000 | 1,644,000 | 2,550,000 | 3,512,000 |
| Interest expense | 445,000 | 914,000 | 1,421,000 | 1,952,000 |
| Net interest income | 354,000 | 730,000 | 1,129,000 | 1,560,000 |
| Noninterest income | 3,000 | 6,000 | 9,000 | 16,000 |
| Noninterest expense | 105,000 | 207,000 | 296,000 | 591,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 252,000 | 531,000 | 844,000 | 1,035,000 |
| Income tax | 44,000 | 90,000 | 143,000 | 91,000 |
| Net income | 208,000 | 441,000 | 701,000 | 944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,833,000 | 14,066,000 | 14,326,000 | 14,119,000 |
| Total capital | 14,077,000 | 14,310,000 | 14,570,000 | 14,363,000 |
| Risk-weighted assets | 20,889,000 | 22,180,000 | 24,656,000 | 26,551,000 |