Call reports 2014
RAYNE BUILDING & LOAN ASSOCIATION — 2014
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,611,000 | 66,594,000 | 66,358,000 | 65,661,000 |
| Total loans | 21,617,000 | 21,425,000 | 21,350,000 | 20,505,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 34,767,000 | 35,295,000 | 36,525,000 | 35,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,196,000 | 52,684,000 | 52,206,000 | 51,537,000 |
| Interest-bearing deposits | 53,079,000 | 52,375,000 | 52,069,000 | 51,433,000 |
| Noninterest-bearing deposits | 117,000 | 309,000 | 137,000 | 104,000 |
| Equity capital | 12,927,000 | 13,335,000 | 13,538,000 | 13,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 587,000 | 1,167,000 | 1,772,000 | 2,361,000 |
| Interest expense | 109,000 | 220,000 | 329,000 | 437,000 |
| Net interest income | 478,000 | 947,000 | 1,443,000 | 1,924,000 |
| Noninterest income | 50,000 | 94,000 | 140,000 | 181,000 |
| Noninterest expense | 317,000 | 628,000 | 961,000 | 1,294,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 413,000 | 622,000 | 811,000 |
| Income tax | 33,000 | 82,000 | 136,000 | 179,000 |
| Net income | 178,000 | 331,000 | 486,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,317,000 | 12,471,000 | 12,625,000 | 12,771,000 |
| Total capital | 12,801,000 | 12,953,000 | 13,080,000 | 13,108,000 |
| Risk-weighted assets | 20,875,000 | 21,064,000 | 20,691,000 | 20,588,000 |