Call reports 2020
RAYNE STATE BANK & TRUST COMPANY — 2020
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 393,943,000 | 478,692,000 | 460,529,000 | 439,099,000 |
| Total loans | 281,547,000 | 327,139,000 | 324,386,000 | 310,808,000 |
| Allowance for loan losses | 4,755,000 | 4,851,000 | 5,032,000 | 5,236,000 |
| Securities available for sale | 77,973,000 | 81,451,000 | 87,288,000 | 88,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,463,000 | 399,600,000 | 389,753,000 | 379,057,000 |
| Interest-bearing deposits | 215,106,000 | 238,533,000 | 235,135,000 | 223,925,000 |
| Noninterest-bearing deposits | 113,357,000 | 161,067,000 | 154,618,000 | 155,132,000 |
| Equity capital | 51,250,000 | 54,601,000 | 55,904,000 | 56,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,400,000 | 8,913,000 | 13,573,000 | 18,274,000 |
| Interest expense | 494,000 | 929,000 | 1,311,000 | 1,620,000 |
| Net interest income | 3,906,000 | 7,984,000 | 12,262,000 | 16,654,000 |
| Noninterest income | 417,000 | 749,000 | 1,116,000 | 1,503,000 |
| Noninterest expense | 2,754,000 | 5,492,000 | 8,269,000 | 11,118,000 |
| Provision for loan losses | 30,000 | 125,000 | 300,000 | 575,000 |
| Pretax income | 1,539,000 | 3,134,000 | 4,885,000 | 6,540,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,539,000 | 3,134,000 | 4,885,000 | 6,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,817,000 | 51,898,000 | 53,134,000 | 53,267,000 |
| Total capital | 54,206,000 | 55,174,000 | 56,395,000 | 56,487,000 |
| Risk-weighted assets | 269,746,000 | 260,472,000 | 259,129,000 | 255,550,000 |