Call reports 2021
RAYNE BUILDING & LOAN ASSOCIATION — 2021
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 60,272,000 | 61,102,000 | 60,737,000 | 60,131,000 |
| Total loans | 21,664,000 | 21,344,000 | 22,628,000 | 21,121,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 27,169,000 | 30,149,000 | 30,063,000 | 29,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,685,000 | 44,336,000 | 43,916,000 | 43,427,000 |
| Interest-bearing deposits | 43,537,000 | 44,240,000 | 43,815,000 | 43,247,000 |
| Noninterest-bearing deposits | 148,000 | 96,000 | 101,000 | 180,000 |
| Equity capital | 16,040,000 | 16,211,000 | 16,248,000 | 16,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,026,000 | 1,491,000 | 1,953,000 |
| Interest expense | 126,000 | 249,000 | 364,000 | 472,000 |
| Net interest income | 395,000 | 777,000 | 1,127,000 | 1,481,000 |
| Noninterest income | 233,000 | 556,000 | 653,000 | 869,000 |
| Noninterest expense | 367,000 | 772,000 | 1,143,000 | 1,629,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 274,000 | 345,000 | 448,000 |
| Income tax | 9,000 | 54,000 | 54,000 | 55,000 |
| Net income | 99,000 | 220,000 | 291,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,776,000 | 15,896,000 | 15,968,000 | 16,069,000 |