Call reports 2011
RAYNE STATE BANK & TRUST COMPANY — 2011
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 264,580,000 | 264,328,000 | 280,288,000 | 294,422,000 |
| Total loans | 175,309,000 | 183,611,000 | 192,275,000 | 185,827,000 |
| Allowance for loan losses | 1,864,000 | 1,932,000 | 2,078,000 | 2,229,000 |
| Securities available for sale | 32,444,000 | 33,893,000 | 32,825,000 | 35,139,000 |
| Securities held to maturity | 15,590,000 | 16,769,000 | 18,301,000 | 18,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,875,000 | 233,841,000 | 249,076,000 | 263,637,000 |
| Interest-bearing deposits | 165,906,000 | 162,152,000 | 169,877,000 | 178,152,000 |
| Noninterest-bearing deposits | 68,969,000 | 71,689,000 | 79,199,000 | 85,485,000 |
| Equity capital | 24,152,000 | 24,986,000 | 25,682,000 | 26,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,218,000 | 6,453,000 | 9,843,000 | 13,169,000 |
| Interest expense | 466,000 | 927,000 | 1,369,000 | 1,780,000 |
| Net interest income | 2,752,000 | 5,526,000 | 8,474,000 | 11,389,000 |
| Noninterest income | 450,000 | 853,000 | 1,277,000 | 1,698,000 |
| Noninterest expense | 2,129,000 | 4,235,000 | 6,284,000 | 8,363,000 |
| Provision for loan losses | 75,000 | 160,000 | 315,000 | 510,000 |
| Pretax income | 998,000 | 1,984,000 | 3,152,000 | 4,214,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 998,000 | 1,984,000 | 3,152,000 | 4,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,351,000 | 23,883,000 | 24,558,000 | 25,127,000 |
| Total capital | 25,215,000 | 25,815,000 | 26,636,000 | 27,356,000 |
| Risk-weighted assets | 192,586,000 | 195,207,000 | 204,762,000 | 202,319,000 |