Call reports 2010
REYNOLDS STATE BANK — 2010
What REYNOLDS STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 88,496,000 | 96,476,000 | 98,312,000 | 92,309,000 |
| Total loans | 6,273,000 | 6,004,000 | 6,441,000 | 5,857,000 |
| Allowance for loan losses | 112,000 | 116,000 | 102,000 | 102,000 |
| Securities available for sale | 76,031,000 | 77,612,000 | 85,367,000 | 82,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,515,000 | 79,010,000 | 77,818,000 | 76,364,000 |
| Interest-bearing deposits | 68,149,000 | 74,264,000 | 73,285,000 | 70,704,000 |
| Noninterest-bearing deposits | 4,366,000 | 4,746,000 | 4,533,000 | 5,660,000 |
| Equity capital | 15,519,000 | 16,713,000 | 18,939,000 | 15,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,115,000 | 2,267,000 | 3,407,000 | 4,551,000 |
| Interest expense | 502,000 | 994,000 | 1,444,000 | 1,823,000 |
| Net interest income | 613,000 | 1,273,000 | 1,963,000 | 2,728,000 |
| Noninterest income | 4,000 | 7,000 | 10,000 | 16,000 |
| Noninterest expense | 149,000 | 294,000 | 422,000 | 686,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 494,000 | 1,014,000 | 1,587,000 | 2,124,000 |
| Income tax | -46,000 | -46,000 | -46,000 | -46,000 |
| Net income | 540,000 | 1,060,000 | 1,633,000 | 2,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,447,000 | 15,967,000 | 16,540,000 | 16,477,000 |
| Total capital | 15,559,000 | 16,083,000 | 16,642,000 | 16,579,000 |
| Risk-weighted assets | 43,422,000 | 46,250,000 | 49,592,000 | 48,093,000 |