Call reports 2019
RAYNE BUILDING & LOAN ASSOCIATION — 2019
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 54,947,000 | 54,138,000 | 54,150,000 | 53,501,000 |
| Total loans | 17,846,000 | 19,639,000 | 21,469,000 | 23,276,000 |
| Allowance for loan losses | 225,000 | 225,000 | 225,000 | 250,000 |
| Securities available for sale | 27,519,000 | 24,470,000 | 22,252,000 | 19,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,287,000 | 38,185,000 | 37,935,000 | 37,353,000 |
| Interest-bearing deposits | 39,169,000 | 38,070,000 | 37,801,000 | 37,241,000 |
| Noninterest-bearing deposits | 118,000 | 115,000 | 134,000 | 112,000 |
| Equity capital | 15,184,000 | 15,463,000 | 15,711,000 | 15,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 471,000 | 988,000 | 1,503,000 | 2,025,000 |
| Interest expense | 98,000 | 200,000 | 309,000 | 420,000 |
| Net interest income | 373,000 | 788,000 | 1,194,000 | 1,605,000 |
| Noninterest income | 43,000 | 86,000 | 145,000 | 206,000 |
| Noninterest expense | 355,000 | 710,000 | 1,077,000 | 1,509,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 57,000 | 156,000 | 255,000 | 520,000 |
| Income tax | -43,000 | -33,000 | -34,000 | 43,000 |
| Net income | 100,000 | 189,000 | 289,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,626,000 | 14,714,000 | 14,813,000 | 15,265,000 |
| Total capital | 15,049,000 | 15,180,000 | 15,305,000 | 15,515,000 |
| Risk-weighted assets | 20,738,000 | 21,716,000 | 23,549,000 | 24,406,000 |