Call reports 2020
RAYNE BUILDING & LOAN ASSOCIATION — 2020
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 53,741,000 | 59,851,000 | 61,525,000 | 58,147,000 |
| Total loans | 23,943,000 | 24,173,000 | 24,155,000 | 23,126,000 |
| Allowance for loan losses | 275,000 | 275,000 | 300,000 | 300,000 |
| Securities available for sale | 21,988,000 | 21,381,000 | 19,725,000 | 23,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,607,000 | 38,305,000 | 39,847,000 | 41,335,000 |
| Interest-bearing deposits | 37,498,000 | 38,169,000 | 39,727,000 | 41,225,000 |
| Noninterest-bearing deposits | 109,000 | 136,000 | 120,000 | 110,000 |
| Equity capital | 15,629,000 | 16,000,000 | 16,130,000 | 16,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 520,000 | 1,071,000 | 1,625,000 | 2,141,000 |
| Interest expense | 118,000 | 244,000 | 375,000 | 506,000 |
| Net interest income | 402,000 | 827,000 | 1,250,000 | 1,635,000 |
| Noninterest income | 63,000 | 165,000 | 268,000 | 572,000 |
| Noninterest expense | 346,000 | 708,000 | 1,053,000 | 1,539,000 |
| Provision for loan losses | 25,000 | 25,000 | 50,000 | 56,000 |
| Pretax income | -177,000 | 84,000 | 269,000 | 472,000 |
| Income tax | 6,000 | 22,000 | 36,000 | 61,000 |
| Net income | -183,000 | 62,000 | 233,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,083,000 | 15,328,000 | 15,498,000 | 15,677,000 |