Call reports 2001
RAYNE STATE BANK & TRUST COMPANY — 2001
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 128,805,000 | 128,390,000 | 133,803,000 | 134,713,000 |
| Total loans | 62,473,000 | 65,868,000 | 66,264,000 | 62,864,000 |
| Allowance for loan losses | 781,000 | 747,000 | 764,000 | 795,000 |
| Securities available for sale | 44,490,000 | 40,924,000 | 45,021,000 | 47,581,000 |
| Securities held to maturity | 4,399,000 | 3,982,000 | 3,914,000 | 3,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,078,000 | 116,255,000 | 120,794,000 | 122,356,000 |
| Interest-bearing deposits | 86,813,000 | 90,098,000 | 93,283,000 | 92,492,000 |
| Noninterest-bearing deposits | 30,265,000 | 26,157,000 | 27,511,000 | 29,864,000 |
| Equity capital | 10,025,000 | 10,385,000 | 11,073,000 | 10,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,316,000 | 4,665,000 | 7,032,000 | 9,289,000 |
| Interest expense | 1,036,000 | 2,020,000 | 2,976,000 | 3,747,000 |
| Net interest income | 1,280,000 | 2,645,000 | 4,056,000 | 5,542,000 |
| Noninterest income | 310,000 | 622,000 | 931,000 | 1,257,000 |
| Noninterest expense | 1,168,000 | 2,431,000 | 3,642,000 | 5,086,000 |
| Provision for loan losses | 30,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 392,000 | 845,000 | 1,324,000 | 1,662,000 |
| Income tax | 113,000 | 248,000 | 398,000 | 433,000 |
| Net income | 279,000 | 597,000 | 926,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,649,000 | 9,967,000 | 10,296,000 | 10,599,000 |
| Total capital | 10,430,000 | 10,714,000 | 11,060,000 | 11,394,000 |
| Risk-weighted assets | 76,446,000 | 74,439,000 | 75,933,000 | 74,382,000 |