Call reports 2012
RAYNE BUILDING & LOAN ASSOCIATION — 2012
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 66,860,000 | 65,781,000 | 65,477,000 | 65,276,000 |
| Total loans | 25,390,000 | 24,502,000 | 24,116,000 | 23,311,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 27,466,000 | 29,342,000 | 30,059,000 | 30,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,301,000 | 52,942,000 | 52,288,000 | 52,046,000 |
| Interest-bearing deposits | 54,225,000 | 52,830,000 | 52,185,000 | 51,941,000 |
| Noninterest-bearing deposits | 76,000 | 112,000 | 103,000 | 105,000 |
| Equity capital | 11,764,000 | 12,043,000 | 12,346,000 | 12,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 778,000 | 1,464,000 | 2,189,000 | 2,894,000 |
| Interest expense | 189,000 | 362,000 | 517,000 | 667,000 |
| Net interest income | 589,000 | 1,102,000 | 1,672,000 | 2,227,000 |
| Noninterest income | 46,000 | 109,000 | 143,000 | 276,000 |
| Noninterest expense | 294,000 | 626,000 | 946,000 | 1,337,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 1,000 |
| Pretax income | 341,000 | 584,000 | 868,000 | 1,165,000 |
| Income tax | 95,000 | 161,000 | 241,000 | 310,000 |
| Net income | 246,000 | 423,000 | 627,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,773,000 | 10,949,000 | 11,153,000 | 11,382,000 |
| Total capital | 11,041,000 | 11,231,000 | 11,412,000 | 11,656,000 |
| Risk-weighted assets | 21,696,000 | 20,876,000 | 20,514,000 | 20,228,000 |