Call reports 2022
RAYNE BUILDING & LOAN ASSOCIATION — 2022
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 57,953,000 | 56,057,000 | 53,180,000 | 57,302,000 |
| Total loans | 20,381,000 | 22,131,000 | 24,795,000 | 27,646,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 29,102,000 | 24,136,000 | 19,525,000 | 19,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,881,000 | 42,007,000 | 39,748,000 | 43,571,000 |
| Interest-bearing deposits | 42,791,000 | 41,927,000 | 39,632,000 | 43,502,000 |
| Noninterest-bearing deposits | 90,000 | 80,000 | 116,000 | 69,000 |
| Equity capital | 14,495,000 | 13,457,000 | 12,793,000 | 13,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 440,000 | 890,000 | 1,334,000 | 1,817,000 |
| Interest expense | 98,000 | 188,000 | 276,000 | 420,000 |
| Net interest income | 342,000 | 702,000 | 1,058,000 | 1,397,000 |
| Noninterest income | 103,000 | 268,000 | 321,000 | 419,000 |
| Noninterest expense | 396,000 | 833,000 | 1,210,000 | 1,641,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 123,000 | 88,000 | 41,000 |
| Income tax | -2,000 | -86,000 | -87,000 | -88,000 |
| Net income | 59,000 | 209,000 | 175,000 | 129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,128,000 | 16,279,000 | 16,245,000 | 16,199,000 |