Call reports 2015
REYNOLDS STATE BANK — 2015
What REYNOLDS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 100,718,000 | 100,392,000 | 102,957,000 | 106,765,000 |
| Total loans | 9,132,000 | 8,095,000 | 8,282,000 | 8,856,000 |
| Allowance for loan losses | 146,000 | 146,000 | 147,000 | 193,000 |
| Securities available for sale | 85,110,000 | 84,035,000 | 84,471,000 | 88,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,737,000 | 76,343,000 | 77,645,000 | 81,960,000 |
| Interest-bearing deposits | 69,960,000 | 70,947,000 | 72,339,000 | 74,984,000 |
| Noninterest-bearing deposits | 5,777,000 | 5,396,000 | 5,306,000 | 6,976,000 |
| Equity capital | 23,801,000 | 23,305,000 | 24,298,000 | 23,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 846,000 | 1,626,000 | 2,466,000 | 3,295,000 |
| Interest expense | 173,000 | 345,000 | 522,000 | 705,000 |
| Net interest income | 673,000 | 1,281,000 | 1,944,000 | 2,590,000 |
| Noninterest income | 3,000 | 7,000 | 11,000 | 14,000 |
| Noninterest expense | 164,000 | 315,000 | 460,000 | 761,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 632,000 | 1,127,000 | 1,651,000 | 1,954,000 |
| Income tax | -6,000 | 179,000 | 186,000 | 311,000 |
| Net income | 638,000 | 948,000 | 1,465,000 | 1,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,745,000 | 22,055,000 | 22,572,000 | 21,850,000 |
| Total capital | 21,891,000 | 22,201,000 | 22,719,000 | 22,043,000 |
| Risk-weighted assets | 33,604,000 | 33,086,000 | 33,720,000 | 38,862,000 |