Call reports 2022
RAYNE STATE BANK & TRUST COMPANY — 2022
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 489,155,000 | 474,321,000 | 475,290,000 | 469,126,000 |
| Total loans | 300,333,000 | 293,784,000 | 299,911,000 | 304,486,000 |
| Allowance for loan losses | 5,826,000 | 5,832,000 | 5,827,000 | 5,830,000 |
| Securities available for sale | 111,499,000 | 112,323,000 | 109,851,000 | 119,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,054,000 | 423,985,000 | 429,435,000 | 420,465,000 |
| Interest-bearing deposits | 248,334,000 | 240,671,000 | 244,273,000 | 237,342,000 |
| Noninterest-bearing deposits | 186,720,000 | 183,314,000 | 185,162,000 | 183,123,000 |
| Equity capital | 49,654,000 | 45,513,000 | 40,541,000 | 44,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,796,000 | 9,642,000 | 14,485,000 | 19,748,000 |
| Interest expense | 185,000 | 363,000 | 570,000 | 873,000 |
| Net interest income | 4,611,000 | 9,279,000 | 13,915,000 | 18,875,000 |
| Noninterest income | 393,000 | 790,000 | 1,177,000 | 1,783,000 |
| Noninterest expense | 2,765,000 | 5,811,000 | 8,879,000 | 12,293,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,239,000 | 4,258,000 | 6,213,000 | 8,365,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,239,000 | 4,258,000 | 6,213,000 | 8,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,530,000 | 60,035,000 | 61,474,000 | 61,500,000 |
| Total capital | 62,154,000 | 63,833,000 | 65,416,000 | 65,650,000 |
| Risk-weighted assets | 287,749,000 | 301,826,000 | 313,441,000 | 330,312,000 |