Call reports 2007
RAYNE STATE BANK & TRUST COMPANY — 2007
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 205,881,000 | 210,144,000 | 203,190,000 | 209,438,000 |
| Total loans | 117,730,000 | 127,898,000 | 130,691,000 | 133,968,000 |
| Allowance for loan losses | 1,053,000 | 1,068,000 | 1,062,000 | 1,097,000 |
| Securities available for sale | 45,638,000 | 44,325,000 | 45,657,000 | 43,309,000 |
| Securities held to maturity | 7,061,000 | 7,511,000 | 7,710,000 | 7,709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,423,000 | 189,894,000 | 181,441,000 | 188,405,000 |
| Interest-bearing deposits | 125,488,000 | 129,242,000 | 122,798,000 | 119,128,000 |
| Noninterest-bearing deposits | 60,935,000 | 60,652,000 | 58,644,000 | 69,277,000 |
| Equity capital | 17,949,000 | 18,111,000 | 19,020,000 | 19,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,207,000 | 6,486,000 | 9,882,000 | 13,245,000 |
| Interest expense | 832,000 | 1,708,000 | 2,584,000 | 3,388,000 |
| Net interest income | 2,375,000 | 4,778,000 | 7,298,000 | 9,857,000 |
| Noninterest income | 377,000 | 745,000 | 1,132,000 | 1,514,000 |
| Noninterest expense | 1,720,000 | 3,479,000 | 5,287,000 | 7,054,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 75,000 |
| Pretax income | 1,022,000 | 2,034,000 | 3,133,000 | 4,242,000 |
| Income tax | 317,000 | 630,000 | 978,000 | 1,271,000 |
| Net income | 705,000 | 1,404,000 | 2,155,000 | 2,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,065,000 | 18,589,000 | 19,165,000 | 19,682,000 |
| Total capital | 19,118,000 | 19,657,000 | 20,227,000 | 20,779,000 |
| Risk-weighted assets | 140,889,000 | 147,817,000 | 149,618,000 | 153,983,000 |