Call reports 2025
RAYNE STATE BANK & TRUST COMPANY — 2025
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 517,406,000 | 537,969,000 | 525,008,000 | 541,188,000 |
| Total loans | 341,777,000 | 350,469,000 | 332,390,000 | 338,070,000 |
| Allowance for loan losses | 5,952,000 | 6,046,000 | 6,037,000 | 6,244,000 |
| Securities available for sale | 122,250,000 | 121,691,000 | 126,196,000 | 133,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,890,000 | 486,608,000 | 468,256,000 | 484,987,000 |
| Interest-bearing deposits | 326,104,000 | 341,769,000 | 326,689,000 | 339,420,000 |
| Noninterest-bearing deposits | 142,786,000 | 144,839,000 | 141,567,000 | 145,567,000 |
| Equity capital | 42,480,000 | 44,954,000 | 50,007,000 | 50,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,067,000 | 14,522,000 | 22,073,000 | 29,521,000 |
| Interest expense | 1,952,000 | 3,970,000 | 5,860,000 | 7,771,000 |
| Net interest income | 5,115,000 | 10,552,000 | 16,213,000 | 21,750,000 |
| Noninterest income | 394,000 | 775,000 | 1,465,000 | 1,854,000 |
| Noninterest expense | 3,142,000 | 6,281,000 | 9,511,000 | 12,658,000 |
| Provision for loan losses | 0 | 100,000 | 170,000 | 370,000 |
| Pretax income | 2,367,000 | 4,946,000 | 7,961,000 | 10,540,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,367,000 | 4,946,000 | 7,961,000 | 10,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,973,000 | 59,048,000 | 61,412,000 | 61,431,000 |
| Total capital | 61,344,000 | 63,489,000 | 65,620,000 | 65,748,000 |
| Risk-weighted assets | 348,122,000 | 353,698,000 | 334,848,000 | 343,393,000 |