Call reports 2005
RAYNE STATE BANK & TRUST COMPANY — 2005
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 163,228,000 | 162,620,000 | 174,849,000 | 179,601,000 |
| Total loans | 110,527,000 | 112,747,000 | 113,380,000 | 113,292,000 |
| Allowance for loan losses | 1,096,000 | 1,017,000 | 1,022,000 | 1,051,000 |
| Securities available for sale | 30,015,000 | 29,741,000 | 28,190,000 | 30,777,000 |
| Securities held to maturity | 5,032,000 | 5,384,000 | 5,144,000 | 5,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,162,000 | 143,594,000 | 156,189,000 | 161,562,000 |
| Interest-bearing deposits | 103,338,000 | 101,444,000 | 104,370,000 | 107,184,000 |
| Noninterest-bearing deposits | 40,824,000 | 42,150,000 | 51,819,000 | 54,379,000 |
| Equity capital | 14,093,000 | 14,600,000 | 14,924,000 | 15,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,265,000 | 4,628,000 | 7,116,000 | 9,734,000 |
| Interest expense | 426,000 | 884,000 | 1,395,000 | 1,953,000 |
| Net interest income | 1,839,000 | 3,744,000 | 5,721,000 | 7,781,000 |
| Noninterest income | 288,000 | 568,000 | 852,000 | 1,275,000 |
| Noninterest expense | 1,475,000 | 2,932,000 | 4,399,000 | 6,081,000 |
| Provision for loan losses | 40,000 | 65,000 | 105,000 | 140,000 |
| Pretax income | 612,000 | 1,315,000 | 2,069,000 | 2,835,000 |
| Income tax | 193,000 | 410,000 | 648,000 | 881,000 |
| Net income | 419,000 | 905,000 | 1,421,000 | 1,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,173,000 | 14,589,000 | 15,035,000 | 15,484,000 |
| Total capital | 15,269,000 | 15,606,000 | 16,057,000 | 16,535,000 |
| Risk-weighted assets | 114,059,000 | 116,942,000 | 119,411,000 | 121,618,000 |