Call reports 2012
RAYNE STATE BANK & TRUST COMPANY — 2012
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 300,785,000 | 289,597,000 | 310,634,000 | 332,393,000 |
| Total loans | 184,123,000 | 195,763,000 | 197,609,000 | 199,296,000 |
| Allowance for loan losses | 2,270,000 | 2,366,000 | 2,439,000 | 2,439,000 |
| Securities available for sale | 55,455,000 | 40,918,000 | 54,357,000 | 70,664,000 |
| Securities held to maturity | 20,272,000 | 22,628,000 | 22,656,000 | 26,676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,396,000 | 257,407,000 | 277,576,000 | 299,817,000 |
| Interest-bearing deposits | 180,956,000 | 170,480,000 | 176,432,000 | 179,975,000 |
| Noninterest-bearing deposits | 88,440,000 | 86,927,000 | 101,144,000 | 119,842,000 |
| Equity capital | 26,648,000 | 27,368,000 | 28,214,000 | 28,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,217,000 | 6,514,000 | 9,865,000 | 13,140,000 |
| Interest expense | 382,000 | 719,000 | 1,034,000 | 1,315,000 |
| Net interest income | 2,835,000 | 5,795,000 | 8,831,000 | 11,825,000 |
| Noninterest income | 429,000 | 872,000 | 1,318,000 | 1,713,000 |
| Noninterest expense | 2,082,000 | 4,247,000 | 6,374,000 | 8,671,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | 1,107,000 | 2,270,000 | 3,550,000 | 4,642,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,107,000 | 2,270,000 | 3,550,000 | 4,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,755,000 | 26,418,000 | 27,163,000 | 27,680,000 |
| Total capital | 28,025,000 | 28,784,000 | 29,602,000 | 30,119,000 |
| Risk-weighted assets | 206,259,000 | 209,899,000 | 212,144,000 | 219,013,000 |