Call reports 2018
RAYNE STATE BANK & TRUST COMPANY — 2018
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 372,244,000 | 366,885,000 | 379,703,000 | 375,561,000 |
| Total loans | 264,158,000 | 270,874,000 | 279,268,000 | 276,392,000 |
| Allowance for loan losses | 3,846,000 | 4,030,000 | 4,555,000 | 4,551,000 |
| Securities available for sale | 69,117,000 | 70,849,000 | 70,591,000 | 73,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,428,000 | 303,868,000 | 315,730,000 | 325,574,000 |
| Interest-bearing deposits | 202,830,000 | 200,762,000 | 205,804,000 | 212,240,000 |
| Noninterest-bearing deposits | 102,598,000 | 103,106,000 | 109,926,000 | 113,334,000 |
| Equity capital | 42,920,000 | 43,820,000 | 44,472,000 | 46,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,954,000 | 8,086,000 | 12,390,000 | 16,835,000 |
| Interest expense | 289,000 | 616,000 | 936,000 | 1,305,000 |
| Net interest income | 3,665,000 | 7,470,000 | 11,454,000 | 15,530,000 |
| Noninterest income | 376,000 | 757,000 | 1,144,000 | 1,513,000 |
| Noninterest expense | 2,561,000 | 5,222,000 | 7,881,000 | 10,615,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 1,477,000 | 3,036,000 | 4,751,000 | 6,462,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,477,000 | 3,036,000 | 4,751,000 | 6,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,343,000 | 45,387,000 | 46,588,000 | 47,461,000 |
| Total capital | 47,466,000 | 48,534,000 | 49,779,000 | 50,632,000 |
| Risk-weighted assets | 249,134,000 | 250,873,000 | 253,885,000 | 252,305,000 |