Call reports 2005
WRAY STATE BANK — 2005
What WRAY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,052,000 | 46,176,000 | 47,774,000 | 50,108,000 |
| Total loans | 28,809,000 | 29,284,000 | 30,650,000 | 28,508,000 |
| Allowance for loan losses | 605,000 | 633,000 | 603,000 | 613,000 |
| Securities available for sale | 9,941,000 | 9,620,000 | 11,012,000 | 11,122,000 |
| Securities held to maturity | 699,000 | 919,000 | 1,336,000 | 2,364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,269,000 | 38,266,000 | 39,369,000 | 41,621,000 |
| Interest-bearing deposits | 33,003,000 | 34,323,000 | 33,561,000 | 34,455,000 |
| Noninterest-bearing deposits | 5,266,000 | 3,944,000 | 5,807,000 | 7,166,000 |
| Equity capital | 4,016,000 | 4,218,000 | 4,376,000 | 4,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,283,000 | 2,001,000 | 2,749,000 |
| Interest expense | 199,000 | 422,000 | 670,000 | 935,000 |
| Net interest income | 429,000 | 861,000 | 1,331,000 | 1,814,000 |
| Noninterest income | 85,000 | 164,000 | 247,000 | 315,000 |
| Noninterest expense | 227,000 | 456,000 | 700,000 | 962,000 |
| Provision for loan losses | 15,000 | 45,000 | 80,000 | 100,000 |
| Pretax income | 272,000 | 524,000 | 798,000 | 1,067,000 |
| Income tax | 72,000 | 146,000 | 243,000 | 300,000 |
| Net income | 200,000 | 378,000 | 555,000 | 767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,095,000 | 4,272,000 | 4,450,000 | 4,586,000 |
| Total capital | 4,479,000 | 4,662,000 | 4,852,000 | 4,985,000 |
| Risk-weighted assets | 30,493,000 | 30,967,000 | 31,926,000 | 31,677,000 |
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