Call reports 2016
REYNOLDS STATE BANK — 2016
What REYNOLDS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 105,753,000 | 106,106,000 | 105,509,000 | 101,760,000 |
| Total loans | 8,936,000 | 9,841,000 | 10,138,000 | 10,432,000 |
| Allowance for loan losses | 193,000 | 183,000 | 179,000 | 179,000 |
| Securities available for sale | 84,655,000 | 85,425,000 | 85,618,000 | 83,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,888,000 | 79,009,000 | 78,509,000 | 78,088,000 |
| Interest-bearing deposits | 74,160,000 | 73,065,000 | 69,899,000 | 70,496,000 |
| Noninterest-bearing deposits | 5,728,000 | 5,944,000 | 8,610,000 | 7,592,000 |
| Equity capital | 24,543,000 | 25,538,000 | 25,598,000 | 23,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 789,000 | 1,668,000 | 2,514,000 | 3,353,000 |
| Interest expense | 184,000 | 363,000 | 541,000 | 714,000 |
| Net interest income | 605,000 | 1,305,000 | 1,973,000 | 2,639,000 |
| Noninterest income | 4,000 | 7,000 | 9,000 | 12,000 |
| Noninterest expense | 204,000 | 402,000 | 580,000 | 906,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 411,000 | 920,000 | 1,418,000 | 1,794,000 |
| Income tax | 2,000 | 37,000 | 117,000 | 257,000 |
| Net income | 409,000 | 883,000 | 1,301,000 | 1,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,259,000 | 22,732,000 | 23,151,000 | 22,487,000 |
| Total capital | 22,452,000 | 22,915,000 | 23,330,000 | 22,666,000 |
| Risk-weighted assets | 37,089,000 | 38,580,000 | 38,929,000 | 35,191,000 |