Call reports 2024
RAYNE BUILDING & LOAN ASSOCIATION — 2024
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 56,169,000 | 54,171,000 | 52,422,000 | 52,319,000 |
| Total loans | 31,479,000 | 31,934,000 | 29,542,000 | 28,095,000 |
| Allowance for loan losses | 300,000 | 300,000 | 400,000 | 300,000 |
| Securities available for sale | 10,119,000 | 9,878,000 | 9,982,000 | 9,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,138,000 | 40,040,000 | 38,241,000 | 37,903,000 |
| Interest-bearing deposits | 42,039,000 | 39,952,000 | 38,131,000 | 37,808,000 |
| Noninterest-bearing deposits | 99,000 | 88,000 | 110,000 | 95,000 |
| Equity capital | 13,282,000 | 13,337,000 | 13,509,000 | 13,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,155,000 | 1,761,000 | 2,341,000 |
| Interest expense | 287,000 | 568,000 | 854,000 | 1,118,000 |
| Net interest income | 265,000 | 587,000 | 907,000 | 1,223,000 |
| Noninterest income | 51,000 | 112,000 | 182,000 | 469,000 |
| Noninterest expense | 352,000 | 732,000 | 1,104,000 | 1,397,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 116,000 |
| Pretax income | -320,000 | -277,000 | -391,000 | 267,000 |
| Income tax | -3,000 | -6,000 | -10,000 | 27,000 |
| Net income | -317,000 | -271,000 | -381,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,782,000 | 14,829,000 | 14,718,000 | 15,340,000 |