Call reports 2026
RAYNE BUILDING & LOAN ASSOCIATION — 2026
What RAYNE BUILDING & LOAN ASSOCIATION reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 51,468,000 | 50,820,000 |
| Total loans | 25,660,000 | 25,819,000 |
| Allowance for loan losses | 300,000 | 300,000 |
| Securities available for sale | 13,181,000 | 12,667,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 36,583,000 | 36,118,000 |
| Interest-bearing deposits | 36,408,000 | 36,022,000 |
| Noninterest-bearing deposits | 175,000 | 96,000 |
| Equity capital | 14,356,000 | 14,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 530,000 | 1,076,000 |
| Interest expense | 253,000 | 505,000 |
| Net interest income | 277,000 | 571,000 |
| Noninterest income | 73,000 | 141,000 |
| Noninterest expense | 400,000 | 757,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | -289,000 | -338,000 |
| Income tax | 2,000 | 2,000 |
| Net income | -291,000 | -340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 14,938,000 | 14,889,000 |