Call reports 2016
RAYNE STATE BANK & TRUST COMPANY — 2016
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 367,511,000 | 362,783,000 | 361,726,000 | 350,405,000 |
| Total loans | 257,344,000 | 258,042,000 | 255,340,000 | 252,779,000 |
| Allowance for loan losses | 3,507,000 | 3,275,000 | 3,477,000 | 3,645,000 |
| Securities available for sale | 78,376,000 | 76,469,000 | 75,141,000 | 75,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,187,000 | 313,329,000 | 307,520,000 | 306,595,000 |
| Interest-bearing deposits | 221,559,000 | 213,507,000 | 212,815,000 | 208,816,000 |
| Noninterest-bearing deposits | 101,628,000 | 99,822,000 | 94,705,000 | 97,779,000 |
| Equity capital | 40,255,000 | 40,646,000 | 41,220,000 | 40,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,869,000 | 7,581,000 | 11,321,000 | 15,075,000 |
| Interest expense | 217,000 | 415,000 | 621,000 | 830,000 |
| Net interest income | 3,652,000 | 7,166,000 | 10,700,000 | 14,245,000 |
| Noninterest income | 415,000 | 806,000 | 1,175,000 | 1,547,000 |
| Noninterest expense | 2,411,000 | 4,437,000 | 6,821,000 | 9,241,000 |
| Provision for loan losses | 150,000 | 1,715,000 | 1,965,000 | 2,140,000 |
| Pretax income | 1,506,000 | 1,820,000 | 3,089,000 | 4,411,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,506,000 | 1,820,000 | 3,089,000 | 4,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,752,000 | 38,654,000 | 39,485,000 | 40,333,000 |
| Total capital | 41,827,000 | 41,724,000 | 42,525,000 | 43,320,000 |
| Risk-weighted assets | 245,600,000 | 245,407,000 | 242,758,000 | 238,336,000 |