Call reports 2017
RAYNE BUILDING & LOAN ASSOCIATION — 2017
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 62,069,000 | 62,696,000 | 62,072,000 | 61,251,000 |
| Total loans | 17,014,000 | 16,812,000 | 16,816,000 | 16,886,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 250,000 |
| Securities available for sale | 35,746,000 | 34,026,000 | 34,630,000 | 33,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,184,000 | 47,543,000 | 46,815,000 | 46,121,000 |
| Interest-bearing deposits | 47,082,000 | 47,414,000 | 46,689,000 | 46,008,000 |
| Noninterest-bearing deposits | 102,000 | 129,000 | 126,000 | 113,000 |
| Equity capital | 14,431,000 | 14,694,000 | 14,793,000 | 14,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 486,000 | 1,005,000 | 1,508,000 | 1,997,000 |
| Interest expense | 89,000 | 178,000 | 266,000 | 354,000 |
| Net interest income | 397,000 | 827,000 | 1,242,000 | 1,643,000 |
| Noninterest income | 60,000 | 115,000 | 182,000 | 249,000 |
| Noninterest expense | 357,000 | 696,000 | 1,071,000 | 1,447,000 |
| Provision for loan losses | 15,000 | 15,000 | 22,000 | 22,000 |
| Pretax income | 85,000 | 231,000 | 331,000 | 423,000 |
| Income tax | 16,000 | 25,000 | 27,000 | 114,000 |
| Net income | 69,000 | 206,000 | 304,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,958,000 | 14,095,000 | 14,193,000 | 14,105,000 |
| Total capital | 14,341,000 | 14,460,000 | 14,591,000 | 14,529,000 |
| Risk-weighted assets | 20,931,000 | 21,251,000 | 21,036,000 | 21,458,000 |