Call reports 2017
RAYNE STATE BANK & TRUST COMPANY — 2017
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 351,997,000 | 352,980,000 | 359,522,000 | 359,877,000 |
| Total loans | 253,784,000 | 259,988,000 | 260,074,000 | 260,072,000 |
| Allowance for loan losses | 3,776,000 | 3,924,000 | 3,985,000 | 3,794,000 |
| Securities available for sale | 68,572,000 | 73,551,000 | 72,995,000 | 71,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,858,000 | 285,993,000 | 291,471,000 | 292,666,000 |
| Interest-bearing deposits | 198,078,000 | 188,997,000 | 188,797,000 | 179,813,000 |
| Noninterest-bearing deposits | 98,780,000 | 96,996,000 | 102,674,000 | 112,853,000 |
| Equity capital | 41,338,000 | 42,931,000 | 43,696,000 | 43,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,639,000 | 7,455,000 | 11,320,000 | 15,323,000 |
| Interest expense | 191,000 | 401,000 | 650,000 | 928,000 |
| Net interest income | 3,448,000 | 7,054,000 | 10,670,000 | 14,395,000 |
| Noninterest income | 392,000 | 754,000 | 1,118,000 | 1,478,000 |
| Noninterest expense | 2,339,000 | 4,743,000 | 7,238,000 | 9,857,000 |
| Provision for loan losses | 150,000 | 300,000 | 365,000 | 440,000 |
| Pretax income | 1,455,000 | 3,002,000 | 4,424,000 | 5,815,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,455,000 | 3,002,000 | 4,424,000 | 5,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,222,000 | 42,284,000 | 43,207,000 | 43,797,000 |
| Total capital | 44,243,000 | 45,368,000 | 46,314,000 | 46,887,000 |
| Risk-weighted assets | 240,936,000 | 245,892,000 | 247,551,000 | 246,480,000 |