Call reports 2012
REYNOLDS STATE BANK — 2012
What REYNOLDS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 97,527,000 | 98,173,000 | 94,443,000 | 94,089,000 |
| Total loans | 6,561,000 | 6,494,000 | 6,538,000 | 6,412,000 |
| Allowance for loan losses | 133,000 | 134,000 | 139,000 | 141,000 |
| Securities available for sale | 86,561,000 | 87,383,000 | 82,735,000 | 82,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,358,000 | 73,702,000 | 70,223,000 | 69,158,000 |
| Interest-bearing deposits | 69,836,000 | 68,253,000 | 64,199,000 | 62,184,000 |
| Noninterest-bearing deposits | 5,522,000 | 5,449,000 | 6,024,000 | 6,974,000 |
| Equity capital | 20,463,000 | 22,271,000 | 22,237,000 | 22,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 986,000 | 1,991,000 | 2,911,000 | 3,791,000 |
| Interest expense | 311,000 | 626,000 | 902,000 | 1,112,000 |
| Net interest income | 675,000 | 1,365,000 | 2,009,000 | 2,679,000 |
| Noninterest income | 5,000 | -12,000 | -10,000 | -8,000 |
| Noninterest expense | 124,000 | 277,000 | 413,000 | 709,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 559,000 | 1,601,000 | 2,133,000 | 2,927,000 |
| Income tax | 143,000 | 383,000 | 507,000 | 630,000 |
| Net income | 416,000 | 1,218,000 | 1,626,000 | 2,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,145,000 | 18,947,000 | 19,355,000 | 19,126,000 |
| Total capital | 18,278,000 | 19,081,000 | 19,494,000 | 19,267,000 |
| Risk-weighted assets | 44,750,000 | 34,679,000 | 29,847,000 | 30,265,000 |