Call reports 2019
RAYNE STATE BANK & TRUST COMPANY — 2019
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 373,384,000 | 374,510,000 | 382,040,000 | 382,595,000 |
| Total loans | 271,477,000 | 272,063,000 | 277,236,000 | 280,996,000 |
| Allowance for loan losses | 4,594,000 | 4,629,000 | 4,676,000 | 4,732,000 |
| Securities available for sale | 75,924,000 | 76,383,000 | 76,645,000 | 75,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,474,000 | 310,321,000 | 310,981,000 | 317,863,000 |
| Interest-bearing deposits | 209,168,000 | 206,131,000 | 199,797,000 | 201,927,000 |
| Noninterest-bearing deposits | 106,306,000 | 104,190,000 | 111,184,000 | 115,936,000 |
| Equity capital | 47,821,000 | 49,711,000 | 51,219,000 | 50,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,323,000 | 8,681,000 | 13,080,000 | 17,549,000 |
| Interest expense | 448,000 | 933,000 | 1,416,000 | 1,896,000 |
| Net interest income | 3,875,000 | 7,748,000 | 11,664,000 | 15,653,000 |
| Noninterest income | 394,000 | 780,000 | 1,165,000 | 1,554,000 |
| Noninterest expense | 2,610,000 | 5,272,000 | 7,967,000 | 10,534,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 160,000 |
| Pretax income | 1,629,000 | 3,196,000 | 4,785,000 | 6,528,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,629,000 | 3,196,000 | 4,785,000 | 6,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,725,000 | 48,777,000 | 49,851,000 | 49,793,000 |
| Total capital | 50,866,000 | 52,061,000 | 53,184,000 | 53,171,000 |
| Risk-weighted assets | 249,792,000 | 261,346,000 | 265,265,000 | 268,918,000 |