Call reports 2014
RAYNE STATE BANK & TRUST COMPANY — 2014
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 339,562,000 | 353,419,000 | 359,375,000 | 365,296,000 |
| Total loans | 240,436,000 | 254,881,000 | 251,637,000 | 252,852,000 |
| Allowance for loan losses | 2,753,000 | 2,803,000 | 2,884,000 | 2,936,000 |
| Securities available for sale | 41,776,000 | 42,142,000 | 40,625,000 | 88,733,000 |
| Securities held to maturity | 27,992,000 | 27,216,000 | 26,050,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,197,000 | 312,770,000 | 318,042,000 | 320,670,000 |
| Interest-bearing deposits | 185,471,000 | 195,024,000 | 199,588,000 | 196,742,000 |
| Noninterest-bearing deposits | 114,726,000 | 117,746,000 | 118,454,000 | 123,928,000 |
| Equity capital | 31,447,000 | 32,694,000 | 33,632,000 | 35,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,619,000 | 7,402,000 | 11,262,000 | 15,104,000 |
| Interest expense | 216,000 | 458,000 | 698,000 | 942,000 |
| Net interest income | 3,403,000 | 6,944,000 | 10,564,000 | 14,162,000 |
| Noninterest income | 428,000 | 848,000 | 1,241,000 | 1,640,000 |
| Noninterest expense | 2,276,000 | 4,686,000 | 7,104,000 | 9,640,000 |
| Provision for loan losses | 100,000 | 175,000 | 260,000 | 330,000 |
| Pretax income | 1,455,000 | 2,931,000 | 4,441,000 | 5,832,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,455,000 | 2,931,000 | 4,441,000 | 5,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,600,000 | 32,528,000 | 33,472,000 | 34,098,000 |
| Total capital | 34,353,000 | 35,331,000 | 36,356,000 | 37,034,000 |
| Risk-weighted assets | 245,340,000 | 247,882,000 | 244,899,000 | 246,711,000 |