Call reports 2018
RAYNE BUILDING & LOAN ASSOCIATION — 2018
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 58,550,000 | 57,241,000 | 56,629,000 | 56,524,000 |
| Total loans | 17,526,000 | 17,656,000 | 17,538,000 | 16,915,000 |
| Allowance for loan losses | 250,000 | 250,000 | 250,000 | 225,000 |
| Securities available for sale | 32,945,000 | 31,695,000 | 29,755,000 | 29,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,713,000 | 42,357,000 | 41,781,000 | 41,266,000 |
| Interest-bearing deposits | 43,592,000 | 42,224,000 | 41,663,000 | 41,138,000 |
| Noninterest-bearing deposits | 121,000 | 133,000 | 118,000 | 128,000 |
| Equity capital | 14,385,000 | 14,419,000 | 14,368,000 | 14,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 498,000 | 1,006,000 | 1,486,000 | 1,979,000 |
| Interest expense | 83,000 | 168,000 | 256,000 | 349,000 |
| Net interest income | 415,000 | 838,000 | 1,230,000 | 1,630,000 |
| Noninterest income | 73,000 | 139,000 | 216,000 | 282,000 |
| Noninterest expense | 368,000 | 756,000 | 1,126,000 | 1,500,000 |
| Provision for loan losses | 0 | 0 | 0 | -25,000 |
| Pretax income | 120,000 | 221,000 | 320,000 | 440,000 |
| Income tax | 8,000 | 9,000 | 12,000 | 20,000 |
| Net income | 112,000 | 212,000 | 308,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,217,000 | 14,316,000 | 14,412,000 | 14,525,000 |
| Total capital | 14,576,000 | 14,687,000 | 14,764,000 | 14,876,000 |
| Risk-weighted assets | 20,836,000 | 20,942,000 | 21,139,000 | 21,067,000 |