Call reports 2004
RAYNE STATE BANK & TRUST COMPANY — 2004
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 154,094,000 | 159,475,000 | 164,218,000 | 161,759,000 |
| Total loans | 99,219,000 | 104,643,000 | 105,053,000 | 107,631,000 |
| Allowance for loan losses | 905,000 | 934,000 | 961,000 | 1,062,000 |
| Securities available for sale | 34,458,000 | 33,417,000 | 30,714,000 | 31,156,000 |
| Securities held to maturity | 4,792,000 | 5,247,000 | 5,247,000 | 5,122,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,734,000 | 137,540,000 | 139,945,000 | 142,302,000 |
| Interest-bearing deposits | 98,797,000 | 99,994,000 | 99,899,000 | 101,893,000 |
| Noninterest-bearing deposits | 36,937,000 | 37,546,000 | 40,046,000 | 40,409,000 |
| Equity capital | 13,472,000 | 13,353,000 | 13,863,000 | 13,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,146,000 | 4,239,000 | 6,409,000 | 8,616,000 |
| Interest expense | 369,000 | 734,000 | 1,118,000 | 1,543,000 |
| Net interest income | 1,777,000 | 3,505,000 | 5,291,000 | 7,073,000 |
| Noninterest income | 311,000 | 619,000 | 909,000 | 1,304,000 |
| Noninterest expense | 1,390,000 | 2,779,000 | 4,231,000 | 5,860,000 |
| Provision for loan losses | 35,000 | 50,000 | 90,000 | 225,000 |
| Pretax income | 663,000 | 1,296,000 | 1,880,000 | 2,294,000 |
| Income tax | 206,000 | 402,000 | 583,000 | 691,000 |
| Net income | 457,000 | 894,000 | 1,297,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,888,000 | 13,256,000 | 13,588,000 | 13,824,000 |
| Total capital | 13,793,000 | 14,190,000 | 14,549,000 | 14,886,000 |
| Risk-weighted assets | 106,128,000 | 104,654,000 | 106,499,000 | 110,853,000 |