Call reports 2018
REYNOLDS STATE BANK — 2018
What REYNOLDS STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 100,798,000 | 101,128,000 | 101,491,000 | 100,670,000 |
| Total loans | 11,622,000 | 11,846,000 | 12,560,000 | 12,370,000 |
| Allowance for loan losses | 175,000 | 176,000 | 176,000 | 150,000 |
| Securities available for sale | 81,803,000 | 78,849,000 | 80,184,000 | 79,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,307,000 | 77,457,000 | 77,922,000 | 77,225,000 |
| Interest-bearing deposits | 68,796,000 | 66,319,000 | 68,279,000 | 66,708,000 |
| Noninterest-bearing deposits | 8,511,000 | 11,138,000 | 9,643,000 | 10,517,000 |
| Equity capital | 23,388,000 | 23,567,000 | 23,468,000 | 23,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 813,000 | 1,588,000 | 2,361,000 | 3,155,000 |
| Interest expense | 170,000 | 339,000 | 506,000 | 682,000 |
| Net interest income | 643,000 | 1,249,000 | 1,855,000 | 2,473,000 |
| Noninterest income | 2,000 | 8,000 | 7,000 | 9,000 |
| Noninterest expense | 175,000 | 376,000 | 587,000 | 910,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 510,000 | 964,000 | 1,358,000 | 1,655,000 |
| Income tax | -32,000 | 56,000 | 120,000 | 190,000 |
| Net income | 542,000 | 908,000 | 1,238,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,048,000 | 24,414,000 | 24,744,000 | 24,071,000 |
| Total capital | 24,223,000 | 24,590,000 | 24,920,000 | 24,221,000 |
| Risk-weighted assets | 35,849,000 | 36,596,000 | 37,926,000 | 37,097,000 |