Call reports 2009
RAYNE STATE BANK & TRUST COMPANY — 2009
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 226,966,000 | 227,215,000 | 231,798,000 | 222,966,000 |
| Total loans | 139,743,000 | 148,804,000 | 152,917,000 | 150,244,000 |
| Allowance for loan losses | 1,431,000 | 1,457,000 | 1,473,000 | 1,561,000 |
| Securities available for sale | 46,627,000 | 45,308,000 | 42,647,000 | 40,345,000 |
| Securities held to maturity | 11,170,000 | 12,242,000 | 12,208,000 | 14,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,833,000 | 202,204,000 | 205,483,000 | 199,177,000 |
| Interest-bearing deposits | 128,209,000 | 132,020,000 | 138,808,000 | 133,751,000 |
| Noninterest-bearing deposits | 74,624,000 | 70,184,000 | 66,675,000 | 65,426,000 |
| Equity capital | 22,174,000 | 22,507,000 | 23,319,000 | 22,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,935,000 | 5,954,000 | 9,007,000 | 12,010,000 |
| Interest expense | 420,000 | 828,000 | 1,234,000 | 1,632,000 |
| Net interest income | 2,515,000 | 5,126,000 | 7,773,000 | 10,378,000 |
| Noninterest income | 385,000 | 760,000 | 1,176,000 | 1,600,000 |
| Noninterest expense | 1,911,000 | 3,941,000 | 5,914,000 | 7,835,000 |
| Provision for loan losses | 50,000 | 80,000 | 110,000 | 255,000 |
| Pretax income | 939,000 | 1,865,000 | 2,925,000 | 3,888,000 |
| Income tax | 232,000 | 505,000 | 829,000 | 991,000 |
| Net income | 707,000 | 1,360,000 | 2,096,000 | 2,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,467,000 | 21,920,000 | 22,455,000 | 21,407,000 |
| Total capital | 22,898,000 | 23,377,000 | 23,928,000 | 22,968,000 |
| Risk-weighted assets | 162,005,000 | 165,266,000 | 168,663,000 | 169,729,000 |