Call reports 2023
RAYNE STATE BANK & TRUST COMPANY — 2023
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 495,935,000 | 488,538,000 | 495,559,000 | 497,263,000 |
| Total loans | 313,665,000 | 329,166,000 | 335,624,000 | 342,931,000 |
| Allowance for loan losses | 5,751,000 | 5,749,000 | 5,719,000 | 5,913,000 |
| Securities available for sale | 120,004,000 | 122,234,000 | 116,455,000 | 123,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,496,000 | 429,575,000 | 444,545,000 | 441,069,000 |
| Interest-bearing deposits | 259,020,000 | 284,730,000 | 299,997,000 | 297,942,000 |
| Noninterest-bearing deposits | 184,476,000 | 144,845,000 | 144,548,000 | 143,127,000 |
| Equity capital | 47,480,000 | 48,425,000 | 44,745,000 | 50,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,478,000 | 11,388,000 | 17,537,000 | 24,063,000 |
| Interest expense | 481,000 | 1,203,000 | 2,641,000 | 4,210,000 |
| Net interest income | 4,997,000 | 10,185,000 | 14,896,000 | 19,853,000 |
| Noninterest income | 429,000 | 838,000 | 1,240,000 | 1,612,000 |
| Noninterest expense | 3,067,000 | 6,149,000 | 9,318,000 | 12,434,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 2,359,000 | 4,874,000 | 6,818,000 | 8,831,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,359,000 | 4,874,000 | 6,818,000 | 8,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,423,000 | 65,423,000 | 66,638,000 | 66,105,000 |
| Total capital | 67,593,000 | 69,757,000 | 71,020,000 | 70,583,000 |
| Risk-weighted assets | 332,021,000 | 345,330,000 | 349,255,000 | 356,767,000 |