Call reports 2019
REYNOLDS STATE BANK — 2019
What REYNOLDS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 98,150,000 | 101,315,000 | 106,715,000 | 105,960,000 |
| Total loans | 12,955,000 | 13,166,000 | 14,266,000 | 14,656,000 |
| Allowance for loan losses | 150,000 | 278,000 | 278,000 | 278,000 |
| Securities available for sale | 78,732,000 | 78,036,000 | 76,513,000 | 72,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,441,000 | 75,155,000 | 79,619,000 | 85,272,000 |
| Interest-bearing deposits | 65,182,000 | 64,964,000 | 66,840,000 | 77,502,000 |
| Noninterest-bearing deposits | 8,259,000 | 10,191,000 | 12,779,000 | 7,770,000 |
| Equity capital | 24,549,000 | 25,699,000 | 26,469,000 | 20,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 736,000 | 1,488,000 | 2,252,000 | 2,969,000 |
| Interest expense | 164,000 | 343,000 | 536,000 | 733,000 |
| Net interest income | 572,000 | 1,145,000 | 1,716,000 | 2,236,000 |
| Noninterest income | 2,000 | 4,000 | 6,000 | 7,000 |
| Noninterest expense | 145,000 | 329,000 | 509,000 | 816,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 430,000 | 804,000 | 1,197,000 | 1,410,000 |
| Income tax | 42,000 | 153,000 | 213,000 | 308,000 |
| Net income | 388,000 | 651,000 | 984,000 | 1,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,459,000 | 24,722,000 | 25,055,000 | 19,173,000 |
| Total capital | 24,609,000 | 25,000,000 | 25,333,000 | 19,451,000 |
| Risk-weighted assets | 37,443,000 | 39,871,000 | 42,302,000 | 35,305,000 |