Call reports 2015
RAYNE BUILDING & LOAN ASSOCIATION — 2015
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 65,330,000 | 64,563,000 | 65,523,000 | 64,466,000 |
| Total loans | 19,427,000 | 19,035,000 | 19,244,000 | 18,894,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 35,782,000 | 35,830,000 | 36,463,000 | 36,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,911,000 | 50,362,000 | 51,013,000 | 49,847,000 |
| Interest-bearing deposits | 50,781,000 | 50,243,000 | 50,841,000 | 49,732,000 |
| Noninterest-bearing deposits | 130,000 | 119,000 | 172,000 | 115,000 |
| Equity capital | 13,847,000 | 13,734,000 | 13,982,000 | 14,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 553,000 | 1,110,000 | 1,660,000 | 2,213,000 |
| Interest expense | 100,000 | 199,000 | 299,000 | 399,000 |
| Net interest income | 453,000 | 911,000 | 1,361,000 | 1,814,000 |
| Noninterest income | 52,000 | 111,000 | 162,000 | 192,000 |
| Noninterest expense | 328,000 | 635,000 | 986,000 | 1,317,000 |
| Provision for loan losses | 0 | 3,000 | 12,000 | 12,000 |
| Pretax income | 177,000 | 384,000 | 525,000 | 733,000 |
| Income tax | 16,000 | 47,000 | 126,000 | 135,000 |
| Net income | 161,000 | 337,000 | 399,000 | 598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,932,000 | 13,110,000 | 13,171,000 | 13,370,000 |
| Total capital | 13,276,000 | 13,445,000 | 13,526,000 | 13,691,000 |
| Risk-weighted assets | 20,492,000 | 20,189,000 | 21,016,000 | 20,264,000 |