Call reports 2020
REYNOLDS STATE BANK — 2020
What REYNOLDS STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 98,503,000 | 100,391,000 | 107,678,000 | 108,220,000 |
| Total loans | 14,600,000 | 13,949,000 | 10,230,000 | 9,062,000 |
| Allowance for loan losses | 278,000 | 278,000 | 308,000 | 308,000 |
| Securities available for sale | 68,496,000 | 68,581,000 | 65,970,000 | 61,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,055,000 | 78,027,000 | 84,911,000 | 94,516,000 |
| Interest-bearing deposits | 72,891,000 | 70,952,000 | 71,758,000 | 86,198,000 |
| Noninterest-bearing deposits | 6,164,000 | 7,075,000 | 13,153,000 | 8,318,000 |
| Equity capital | 19,349,000 | 21,636,000 | 21,981,000 | 12,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 697,000 | 1,329,000 | 1,910,000 | 2,426,000 |
| Interest expense | 220,000 | 370,000 | 502,000 | 636,000 |
| Net interest income | 477,000 | 959,000 | 1,408,000 | 1,790,000 |
| Noninterest income | 2,000 | 2,000 | 3,000 | 4,000 |
| Noninterest expense | 163,000 | 307,000 | 546,000 | 709,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 316,000 | 654,000 | 864,000 | 1,099,000 |
| Income tax | 0 | 15,000 | 76,000 | 147,000 |
| Net income | 316,000 | 639,000 | 788,000 | 952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,489,000 | 19,812,000 | 19,961,000 | 10,925,000 |
| Total capital | 19,767,000 | 20,090,000 | 20,269,000 | 11,233,000 |
| Risk-weighted assets | 39,925,000 | 37,715,000 | 36,211,000 | 34,760,000 |