Call reports 2016
RAYNE BUILDING & LOAN ASSOCIATION — 2016
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 63,502,000 | 63,718,000 | 63,593,000 | 62,695,000 |
| Total loans | 17,553,000 | 17,760,000 | 17,460,000 | 16,753,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 35,939,000 | 37,878,000 | 36,211,000 | 34,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,643,000 | 48,375,000 | 48,360,000 | 47,856,000 |
| Interest-bearing deposits | 48,537,000 | 48,236,000 | 48,226,000 | 47,661,000 |
| Noninterest-bearing deposits | 106,000 | 139,000 | 134,000 | 195,000 |
| Equity capital | 14,354,000 | 14,726,000 | 14,688,000 | 14,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,061,000 | 1,576,000 | 2,080,000 |
| Interest expense | 96,000 | 191,000 | 286,000 | 380,000 |
| Net interest income | 450,000 | 870,000 | 1,290,000 | 1,700,000 |
| Noninterest income | 65,000 | 123,000 | 192,000 | 266,000 |
| Noninterest expense | 323,000 | 628,000 | 986,000 | 1,355,000 |
| Provision for loan losses | 4,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 188,000 | 357,000 | 488,000 | 603,000 |
| Income tax | 28,000 | 57,000 | 83,000 | 84,000 |
| Net income | 160,000 | 300,000 | 405,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,530,000 | 13,670,000 | 13,775,000 | 13,889,000 |
| Total capital | 13,839,000 | 14,010,000 | 14,094,000 | 14,311,000 |
| Risk-weighted assets | 19,716,000 | 19,669,000 | 19,766,000 | 20,830,000 |