Call reports 2025
RAYNE BUILDING & LOAN ASSOCIATION — 2025
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 52,349,000 | 52,498,000 | 52,199,000 | 52,393,000 |
| Total loans | 29,765,000 | 27,599,000 | 26,871,000 | 25,675,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 9,706,000 | 9,526,000 | 11,339,000 | 13,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,794,000 | 37,589,000 | 36,998,000 | 37,192,000 |
| Interest-bearing deposits | 37,482,000 | 37,473,000 | 36,910,000 | 37,075,000 |
| Noninterest-bearing deposits | 312,000 | 116,000 | 88,000 | 117,000 |
| Equity capital | 14,023,000 | 14,371,000 | 14,666,000 | 14,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 556,000 | 1,137,000 | 1,707,000 | 2,259,000 |
| Interest expense | 260,000 | 520,000 | 784,000 | 1,047,000 |
| Net interest income | 296,000 | 617,000 | 923,000 | 1,212,000 |
| Noninterest income | 55,000 | 143,000 | 218,000 | 401,000 |
| Noninterest expense | 368,000 | 736,000 | 1,158,000 | 1,593,000 |
| Provision for loan losses | -40,000 | -40,000 | -40,000 | -40,000 |
| Pretax income | 72,000 | 298,000 | 424,000 | 354,000 |
| Income tax | 0 | -70,000 | -70,000 | -70,000 |
| Net income | 72,000 | 368,000 | 494,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,412,000 | 15,237,000 | 15,363,000 | 15,293,000 |