Call reports 2003
RAYNE STATE BANK & TRUST COMPANY — 2003
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 149,297,000 | 150,344,000 | 148,182,000 | 149,400,000 |
| Total loans | 75,874,000 | 83,588,000 | 88,949,000 | 93,096,000 |
| Allowance for loan losses | 802,000 | 806,000 | 806,000 | 855,000 |
| Securities available for sale | 43,085,000 | 42,101,000 | 39,330,000 | 35,562,000 |
| Securities held to maturity | 4,707,000 | 4,998,000 | 5,128,000 | 5,027,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,039,000 | 135,685,000 | 133,669,000 | 135,896,000 |
| Interest-bearing deposits | 102,556,000 | 102,938,000 | 100,540,000 | 99,740,000 |
| Noninterest-bearing deposits | 32,483,000 | 32,747,000 | 33,129,000 | 36,156,000 |
| Equity capital | 12,637,000 | 12,895,000 | 12,887,000 | 12,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,040,000 | 4,136,000 | 6,189,000 | 8,221,000 |
| Interest expense | 557,000 | 1,052,000 | 1,489,000 | 1,885,000 |
| Net interest income | 1,483,000 | 3,084,000 | 4,700,000 | 6,336,000 |
| Noninterest income | 342,000 | 680,000 | 999,000 | 1,432,000 |
| Noninterest expense | 1,508,000 | 3,004,000 | 4,444,000 | 6,145,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 72,000 |
| Pretax income | 302,000 | 730,000 | 1,215,000 | 1,672,000 |
| Income tax | 87,000 | 214,000 | 357,000 | 471,000 |
| Net income | 215,000 | 516,000 | 858,000 | 1,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,729,000 | 11,954,000 | 12,227,000 | 12,501,000 |
| Total capital | 12,531,000 | 12,760,000 | 13,033,000 | 13,356,000 |
| Risk-weighted assets | 88,257,000 | 96,271,000 | 98,702,000 | 104,838,000 |