Call reports 2021
RAYNE STATE BANK & TRUST COMPANY — 2021
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 482,019,000 | 471,362,000 | 489,771,000 | 485,903,000 |
| Total loans | 320,616,000 | 321,700,000 | 310,912,000 | 312,717,000 |
| Allowance for loan losses | 5,381,000 | 5,534,000 | 5,685,000 | 5,832,000 |
| Securities available for sale | 89,242,000 | 95,917,000 | 99,222,000 | 109,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,527,000 | 408,932,000 | 425,914,000 | 424,452,000 |
| Interest-bearing deposits | 241,311,000 | 240,312,000 | 247,125,000 | 242,703,000 |
| Noninterest-bearing deposits | 180,216,000 | 168,620,000 | 178,789,000 | 181,750,000 |
| Equity capital | 56,091,000 | 57,749,000 | 58,703,000 | 57,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,013,000 | 9,603,000 | 14,287,000 | 18,683,000 |
| Interest expense | 259,000 | 487,000 | 693,000 | 890,000 |
| Net interest income | 4,754,000 | 9,116,000 | 13,594,000 | 17,793,000 |
| Noninterest income | 371,000 | 749,000 | 1,125,000 | 1,541,000 |
| Noninterest expense | 2,860,000 | 5,798,000 | 8,809,000 | 12,044,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 2,356,000 | 4,104,000 | 5,797,000 | 7,027,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,356,000 | 4,104,000 | 5,797,000 | 7,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,108,000 | 56,340,000 | 57,519,000 | 56,806,000 |
| Total capital | 58,230,000 | 59,713,000 | 60,931,000 | 60,431,000 |
| Risk-weighted assets | 247,463,000 | 267,651,000 | 270,675,000 | 287,784,000 |