Call reports 2006
RAYNE STATE BANK & TRUST COMPANY — 2006
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 180,882,000 | 180,126,000 | 190,489,000 | 196,000,000 |
| Total loans | 111,286,000 | 111,309,000 | 113,165,000 | 112,328,000 |
| Allowance for loan losses | 1,035,000 | 1,079,000 | 1,087,000 | 1,052,000 |
| Securities available for sale | 33,876,000 | 37,233,000 | 39,316,000 | 42,183,000 |
| Securities held to maturity | 5,129,000 | 5,859,000 | 6,131,000 | 6,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,918,000 | 162,604,000 | 172,379,000 | 177,642,000 |
| Interest-bearing deposits | 108,027,000 | 110,841,000 | 116,985,000 | 117,959,000 |
| Noninterest-bearing deposits | 54,891,000 | 51,763,000 | 55,394,000 | 59,683,000 |
| Equity capital | 15,662,000 | 15,848,000 | 16,819,000 | 17,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,699,000 | 5,513,000 | 8,494,000 | 11,586,000 |
| Interest expense | 584,000 | 1,221,000 | 2,010,000 | 2,844,000 |
| Net interest income | 2,115,000 | 4,292,000 | 6,484,000 | 8,742,000 |
| Noninterest income | 303,000 | 612,000 | 909,000 | 1,233,000 |
| Noninterest expense | 1,538,000 | 3,102,000 | 4,679,000 | 6,369,000 |
| Provision for loan losses | 38,000 | 88,000 | 103,000 | 118,000 |
| Pretax income | 842,000 | 1,714,000 | 2,611,000 | 3,488,000 |
| Income tax | 263,000 | 542,000 | 828,000 | 1,035,000 |
| Net income | 579,000 | 1,172,000 | 1,783,000 | 2,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,979,000 | 16,488,000 | 17,015,000 | 17,535,000 |
| Total capital | 17,014,000 | 17,567,000 | 18,102,000 | 18,587,000 |
| Risk-weighted assets | 123,355,000 | 123,466,000 | 126,729,000 | 130,876,000 |