Call reports 2008
RAYNE STATE BANK & TRUST COMPANY — 2008
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 209,194,000 | 220,374,000 | 222,126,000 | 224,466,000 |
| Total loans | 132,948,000 | 141,321,000 | 137,842,000 | 140,299,000 |
| Allowance for loan losses | 1,097,000 | 1,094,000 | 1,130,000 | 1,389,000 |
| Securities available for sale | 40,512,000 | 41,924,000 | 38,575,000 | 44,708,000 |
| Securities held to maturity | 7,804,000 | 8,302,000 | 8,943,000 | 10,561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,855,000 | 193,756,000 | 198,447,000 | 200,130,000 |
| Interest-bearing deposits | 123,311,000 | 125,289,000 | 121,882,000 | 127,503,000 |
| Noninterest-bearing deposits | 63,544,000 | 68,467,000 | 76,565,000 | 72,627,000 |
| Equity capital | 20,484,000 | 20,243,000 | 20,792,000 | 21,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,248,000 | 6,305,000 | 9,322,000 | 12,307,000 |
| Interest expense | 668,000 | 1,287,000 | 1,901,000 | 2,404,000 |
| Net interest income | 2,580,000 | 5,018,000 | 7,421,000 | 9,903,000 |
| Noninterest income | 395,000 | 763,000 | 1,150,000 | 1,520,000 |
| Noninterest expense | 1,827,000 | 3,671,000 | 5,557,000 | 7,381,000 |
| Provision for loan losses | 0 | 20,000 | 65,000 | 325,000 |
| Pretax income | 1,148,000 | 2,090,000 | 2,949,000 | 3,717,000 |
| Income tax | 370,000 | 672,000 | 948,000 | 1,189,000 |
| Net income | 778,000 | 1,418,000 | 2,001,000 | 2,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,109,000 | 20,400,000 | 20,633,000 | 20,960,000 |
| Total capital | 21,206,000 | 21,494,000 | 21,763,000 | 22,349,000 |
| Risk-weighted assets | 153,210,000 | 159,964,000 | 157,434,000 | 161,842,000 |