Call reports 2013
RAYNE STATE BANK & TRUST COMPANY — 2013
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 331,626,000 | 315,349,000 | 325,331,000 | 324,137,000 |
| Total loans | 206,711,000 | 211,725,000 | 224,105,000 | 230,862,000 |
| Allowance for loan losses | 2,506,000 | 2,579,000 | 2,648,000 | 2,690,000 |
| Securities available for sale | 70,041,000 | 46,750,000 | 46,477,000 | 44,844,000 |
| Securities held to maturity | 27,713,000 | 28,047,000 | 28,113,000 | 28,147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,503,000 | 282,378,000 | 287,171,000 | 288,426,000 |
| Interest-bearing deposits | 188,830,000 | 176,497,000 | 181,051,000 | 183,109,000 |
| Noninterest-bearing deposits | 109,673,000 | 105,881,000 | 106,120,000 | 105,317,000 |
| Equity capital | 29,087,000 | 28,833,000 | 29,438,000 | 29,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,281,000 | 6,700,000 | 10,152,000 | 13,680,000 |
| Interest expense | 252,000 | 466,000 | 679,000 | 888,000 |
| Net interest income | 3,029,000 | 6,234,000 | 9,473,000 | 12,792,000 |
| Noninterest income | 436,000 | 851,000 | 1,294,000 | 1,727,000 |
| Noninterest expense | 2,171,000 | 4,406,000 | 6,702,000 | 9,048,000 |
| Provision for loan losses | 75,000 | 150,000 | 215,000 | 265,000 |
| Pretax income | 1,219,000 | 2,529,000 | 3,850,000 | 5,207,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,219,000 | 2,529,000 | 3,850,000 | 5,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,285,000 | 28,931,000 | 29,597,000 | 30,292,000 |
| Total capital | 30,791,000 | 31,510,000 | 32,245,000 | 32,982,000 |
| Risk-weighted assets | 229,385,000 | 225,738,000 | 234,071,000 | 238,435,000 |