Call reports 2004
WRAY STATE BANK — 2004
What WRAY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 41,744,000 | 43,027,000 | 45,204,000 | 45,315,000 |
| Total loans | 26,010,000 | 27,585,000 | 30,259,000 | 27,681,000 |
| Allowance for loan losses | 584,000 | 546,000 | 583,000 | 600,000 |
| Securities available for sale | 8,595,000 | 9,758,000 | 9,035,000 | 8,533,000 |
| Securities held to maturity | 752,000 | 752,000 | 753,000 | 698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,181,000 | 36,500,000 | 38,150,000 | 38,132,000 |
| Interest-bearing deposits | 31,051,000 | 32,522,000 | 34,427,000 | 33,094,000 |
| Noninterest-bearing deposits | 4,130,000 | 3,978,000 | 3,723,000 | 5,038,000 |
| Equity capital | 3,508,000 | 3,548,000 | 3,736,000 | 3,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 523,000 | 1,063,000 | 1,651,000 | 2,270,000 |
| Interest expense | 187,000 | 383,000 | 583,000 | 784,000 |
| Net interest income | 336,000 | 680,000 | 1,068,000 | 1,486,000 |
| Noninterest income | 87,000 | 182,000 | 283,000 | 372,000 |
| Noninterest expense | 227,000 | 452,000 | 696,000 | 944,000 |
| Provision for loan losses | 45,000 | 90,000 | 130,000 | 145,000 |
| Pretax income | 151,000 | 320,000 | 525,000 | 769,000 |
| Income tax | 44,000 | 90,000 | 155,000 | 230,000 |
| Net income | 107,000 | 230,000 | 370,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,462,000 | 3,586,000 | 3,726,000 | 3,895,000 |
| Total capital | 3,819,000 | 3,965,000 | 4,135,000 | 4,292,000 |
| Risk-weighted assets | 28,301,000 | 30,090,000 | 32,567,000 | 31,572,000 |
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