Call reports 2015
RAYNE STATE BANK & TRUST COMPANY — 2015
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 377,833,000 | 366,452,000 | 375,036,000 | 368,349,000 |
| Total loans | 251,756,000 | 258,015,000 | 263,868,000 | 262,084,000 |
| Allowance for loan losses | 3,039,000 | 3,138,000 | 3,239,000 | 3,365,000 |
| Securities available for sale | 92,256,000 | 83,360,000 | 81,844,000 | 80,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,852,000 | 323,540,000 | 320,915,000 | 314,971,000 |
| Interest-bearing deposits | 205,183,000 | 218,033,000 | 217,846,000 | 210,320,000 |
| Noninterest-bearing deposits | 129,669,000 | 105,507,000 | 103,069,000 | 104,651,000 |
| Equity capital | 36,796,000 | 36,957,000 | 38,446,000 | 39,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,755,000 | 7,614,000 | 11,550,000 | 15,480,000 |
| Interest expense | 239,000 | 478,000 | 700,000 | 915,000 |
| Net interest income | 3,516,000 | 7,136,000 | 10,850,000 | 14,565,000 |
| Noninterest income | 415,000 | 831,000 | 1,241,000 | 1,654,000 |
| Noninterest expense | 2,453,000 | 4,919,000 | 7,387,000 | 9,934,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 445,000 |
| Pretax income | 1,373,000 | 2,838,000 | 4,390,000 | 5,841,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,373,000 | 2,838,000 | 4,390,000 | 5,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,096,000 | 36,053,000 | 37,090,000 | 37,816,000 |
| Total capital | 38,063,000 | 39,042,000 | 40,117,000 | 40,831,000 |
| Risk-weighted assets | 237,285,000 | 238,963,000 | 241,921,000 | 240,876,000 |