Call reports 2014
REYNOLDS STATE BANK — 2014
What REYNOLDS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 90,016,000 | 91,878,000 | 93,674,000 | 103,466,000 |
| Total loans | 7,981,000 | 7,974,000 | 7,212,000 | 7,041,000 |
| Allowance for loan losses | 135,000 | 140,000 | 143,000 | 145,000 |
| Securities available for sale | 77,700,000 | 76,198,000 | 77,135,000 | 89,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,613,000 | 68,589,000 | 69,597,000 | 78,763,000 |
| Interest-bearing deposits | 61,896,000 | 62,065,000 | 64,356,000 | 71,807,000 |
| Noninterest-bearing deposits | 5,717,000 | 6,524,000 | 5,241,000 | 6,956,000 |
| Equity capital | 21,645,000 | 22,392,000 | 23,200,000 | 23,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,620,000 | 2,414,000 | 3,220,000 |
| Interest expense | 164,000 | 321,000 | 481,000 | 648,000 |
| Net interest income | 659,000 | 1,299,000 | 1,933,000 | 2,572,000 |
| Noninterest income | 3,000 | 6,000 | 9,000 | 13,000 |
| Noninterest expense | 168,000 | 309,000 | 423,000 | 752,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 426,000 | 928,000 | 1,450,000 | 1,740,000 |
| Income tax | 35,000 | 65,000 | -29,000 | 28,000 |
| Net income | 391,000 | 863,000 | 1,479,000 | 1,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,686,000 | 21,158,000 | 21,774,000 | 21,107,000 |
| Total capital | 20,821,000 | 21,298,000 | 21,917,000 | 21,252,000 |
| Risk-weighted assets | 32,669,000 | 32,081,000 | 31,350,000 | 32,376,000 |