Call reports 2023
RAYNE BUILDING & LOAN ASSOCIATION — 2023
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 57,360,000 | 56,055,000 | 57,439,000 | 56,027,000 |
| Total loans | 29,101,000 | 29,051,000 | 29,871,000 | 29,857,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 19,558,000 | 18,996,000 | 17,281,000 | 18,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,444,000 | 42,100,000 | 44,014,000 | 41,624,000 |
| Interest-bearing deposits | 43,358,000 | 42,036,000 | 43,957,000 | 41,564,000 |
| Noninterest-bearing deposits | 86,000 | 64,000 | 57,000 | 60,000 |
| Equity capital | 13,270,000 | 13,106,000 | 12,693,000 | 13,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 1,027,000 | 1,555,000 | 2,108,000 |
| Interest expense | 189,000 | 399,000 | 632,000 | 903,000 |
| Net interest income | 317,000 | 628,000 | 923,000 | 1,205,000 |
| Noninterest income | 55,000 | 113,000 | 165,000 | 337,000 |
| Noninterest expense | 367,000 | 742,000 | 1,101,000 | 1,527,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -10,000 | 12,000 | -89,000 | -1,400,000 |
| Income tax | -15,000 | -17,000 | -18,000 | -301,000 |
| Net income | 5,000 | 29,000 | -71,000 | -1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,204,000 | 16,227,000 | 16,128,000 | 15,100,000 |