Call reports 2002
RAYNE STATE BANK & TRUST COMPANY — 2002
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 130,694,000 | 130,643,000 | 137,910,000 | 145,054,000 |
| Total loans | 62,331,000 | 67,320,000 | 73,354,000 | 74,320,000 |
| Allowance for loan losses | 816,000 | 817,000 | 786,000 | 807,000 |
| Securities available for sale | 50,126,000 | 47,242,000 | 43,452,000 | 44,044,000 |
| Securities held to maturity | 3,080,000 | 3,080,000 | 3,080,000 | 3,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,402,000 | 114,182,000 | 120,592,000 | 130,923,000 |
| Interest-bearing deposits | 91,439,000 | 87,520,000 | 93,681,000 | 98,513,000 |
| Noninterest-bearing deposits | 26,963,000 | 26,662,000 | 26,911,000 | 32,410,000 |
| Equity capital | 10,971,000 | 11,884,000 | 12,588,000 | 12,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,090,000 | 4,181,000 | 6,328,000 | 8,460,000 |
| Interest expense | 648,000 | 1,230,000 | 1,818,000 | 2,423,000 |
| Net interest income | 1,442,000 | 2,951,000 | 4,510,000 | 6,037,000 |
| Noninterest income | 291,000 | 644,000 | 974,000 | 1,426,000 |
| Noninterest expense | 1,241,000 | 2,538,000 | 3,867,000 | 5,970,000 |
| Provision for loan losses | 36,000 | 72,000 | 116,000 | 140,000 |
| Pretax income | 456,000 | 1,010,000 | 1,522,000 | 1,374,000 |
| Income tax | 143,000 | 315,000 | 475,000 | 397,000 |
| Net income | 313,000 | 695,000 | 1,047,000 | 977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,913,000 | 11,239,000 | 11,592,000 | 11,579,000 |
| Total capital | 11,729,000 | 12,056,000 | 12,378,000 | 12,386,000 |
| Risk-weighted assets | 75,091,000 | 78,203,000 | 80,985,000 | 85,242,000 |