Call reports 2024
RAYNE STATE BANK & TRUST COMPANY — 2024
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 502,616,000 | 496,003,000 | 496,953,000 | 503,769,000 |
| Total loans | 341,528,000 | 347,741,000 | 343,925,000 | 339,644,000 |
| Allowance for loan losses | 5,857,000 | 5,856,000 | 5,853,000 | 5,952,000 |
| Securities available for sale | 116,978,000 | 115,734,000 | 114,869,000 | 121,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,847,000 | 436,591,000 | 441,991,000 | 458,904,000 |
| Interest-bearing deposits | 304,868,000 | 296,576,000 | 302,552,000 | 319,052,000 |
| Noninterest-bearing deposits | 139,979,000 | 140,015,000 | 139,439,000 | 139,852,000 |
| Equity capital | 51,824,000 | 52,931,000 | 43,221,000 | 39,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,629,000 | 13,481,000 | 20,429,000 | 27,499,000 |
| Interest expense | 1,687,000 | 3,476,000 | 5,428,000 | 7,381,000 |
| Net interest income | 4,942,000 | 10,005,000 | 15,001,000 | 20,118,000 |
| Noninterest income | 445,000 | 832,000 | 1,220,000 | 1,606,000 |
| Noninterest expense | 3,166,000 | 6,876,000 | 10,124,000 | 13,238,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 2,221,000 | 3,961,000 | 6,097,000 | 8,386,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,221,000 | 3,961,000 | 6,097,000 | 8,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,812,000 | 69,039,000 | 55,196,000 | 55,284,000 |
| Total capital | 72,305,000 | 73,535,000 | 59,596,000 | 59,654,000 |
| Risk-weighted assets | 358,111,000 | 358,285,000 | 350,561,000 | 348,027,000 |