Call reports 2013
REYNOLDS STATE BANK — 2013
What REYNOLDS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 93,204,000 | 91,974,000 | 90,125,000 | 92,290,000 |
| Total loans | 6,171,000 | 6,704,000 | 7,590,000 | 7,464,000 |
| Allowance for loan losses | 141,000 | 137,000 | 142,000 | 144,000 |
| Securities available for sale | 82,860,000 | 79,033,000 | 77,838,000 | 76,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,109,000 | 68,963,000 | 70,255,000 | 71,675,000 |
| Interest-bearing deposits | 62,353,000 | 63,648,000 | 64,637,000 | 64,882,000 |
| Noninterest-bearing deposits | 6,756,000 | 5,315,000 | 5,618,000 | 6,793,000 |
| Equity capital | 22,294,000 | 21,669,000 | 19,759,000 | 20,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 825,000 | 1,653,000 | 2,519,000 | 3,482,000 |
| Interest expense | 182,000 | 360,000 | 538,000 | 707,000 |
| Net interest income | 643,000 | 1,293,000 | 1,981,000 | 2,775,000 |
| Noninterest income | 3,000 | 3,000 | 9,000 | 12,000 |
| Noninterest expense | 143,000 | 319,000 | 473,000 | 873,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 503,000 | 976,000 | 1,518,000 | 1,958,000 |
| Income tax | 79,000 | 303,000 | 374,000 | 339,000 |
| Net income | 424,000 | 673,000 | 1,144,000 | 1,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,550,000 | 19,799,000 | 20,270,000 | 20,295,000 |
| Total capital | 19,691,000 | 19,936,000 | 20,412,000 | 20,439,000 |
| Risk-weighted assets | 30,570,000 | 30,999,000 | 34,196,000 | 33,117,000 |
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