Call reports 2013
RAYNE BUILDING & LOAN ASSOCIATION — 2013
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 65,258,000 | 65,113,000 | 64,698,000 | 65,383,000 |
| Total loans | 22,924,000 | 21,236,000 | 21,956,000 | 22,230,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 29,426,000 | 32,092,000 | 32,486,000 | 32,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,988,000 | 52,408,000 | 51,975,000 | 52,468,000 |
| Interest-bearing deposits | 51,897,000 | 52,313,000 | 51,854,000 | 52,390,000 |
| Noninterest-bearing deposits | 91,000 | 95,000 | 121,000 | 78,000 |
| Equity capital | 12,541,000 | 12,203,000 | 12,205,000 | 12,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 664,000 | 1,257,000 | 1,844,000 | 2,450,000 |
| Interest expense | 129,000 | 253,000 | 372,000 | 488,000 |
| Net interest income | 535,000 | 1,004,000 | 1,472,000 | 1,962,000 |
| Noninterest income | 50,000 | 96,000 | 139,000 | 182,000 |
| Noninterest expense | 288,000 | 566,000 | 897,000 | 1,135,000 |
| Provision for loan losses | 0 | 2,000 | 2,000 | 2,000 |
| Pretax income | 297,000 | 532,000 | 712,000 | 1,007,000 |
| Income tax | 73,000 | 142,000 | 175,000 | 249,000 |
| Net income | 224,000 | 390,000 | 537,000 | 758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,607,000 | 11,771,000 | 11,919,000 | 12,139,000 |
| Total capital | 11,914,000 | 12,111,000 | 12,278,000 | 12,575,000 |
| Risk-weighted assets | 20,070,000 | 19,880,000 | 20,398,000 | 21,197,000 |