Call reports 2011
REYNOLDS STATE BANK — 2011
What REYNOLDS STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 91,438,000 | 92,878,000 | 98,063,000 | 96,648,000 |
| Total loans | 5,910,000 | 6,276,000 | 6,408,000 | 7,236,000 |
| Allowance for loan losses | 109,000 | 108,000 | 109,000 | 110,000 |
| Securities available for sale | 82,633,000 | 79,866,000 | 85,115,000 | 85,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,181,000 | 73,611,000 | 75,773,000 | 75,031,000 |
| Interest-bearing deposits | 69,073,000 | 68,337,000 | 71,110,000 | 68,234,000 |
| Noninterest-bearing deposits | 5,108,000 | 5,274,000 | 4,663,000 | 6,797,000 |
| Equity capital | 16,736,000 | 18,560,000 | 20,733,000 | 19,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,159,000 | 2,249,000 | 3,299,000 | 4,344,000 |
| Interest expense | 348,000 | 674,000 | 1,005,000 | 1,327,000 |
| Net interest income | 811,000 | 1,575,000 | 2,294,000 | 3,017,000 |
| Noninterest income | 5,000 | 5,000 | 8,000 | 11,000 |
| Noninterest expense | 151,000 | 307,000 | 432,000 | 680,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 666,000 | 1,420,000 | 2,018,000 | 2,724,000 |
| Income tax | 66,000 | 141,000 | 178,000 | 572,000 |
| Net income | 600,000 | 1,279,000 | 1,840,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,077,000 | 17,756,000 | 18,317,000 | 17,729,000 |
| Total capital | 17,186,000 | 17,864,000 | 18,426,000 | 17,839,000 |
| Risk-weighted assets | 47,131,000 | 44,692,000 | 45,596,000 | 44,625,000 |