Call reports 2006
WRAY STATE BANK — 2006
What WRAY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 49,065,000 | 48,932,000 | 51,978,000 | 52,679,000 |
| Total loans | 27,718,000 | 30,646,000 | 32,147,000 | 30,832,000 |
| Allowance for loan losses | 603,000 | 599,000 | 602,000 | 613,000 |
| Securities available for sale | 10,900,000 | 10,992,000 | 11,008,000 | 10,765,000 |
| Securities held to maturity | 2,637,000 | 2,641,000 | 3,234,000 | 2,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,398,000 | 39,998,000 | 42,866,000 | 44,187,000 |
| Interest-bearing deposits | 35,122,000 | 35,302,000 | 37,257,000 | 36,618,000 |
| Noninterest-bearing deposits | 5,276,000 | 4,696,000 | 5,608,000 | 7,569,000 |
| Equity capital | 4,666,000 | 4,865,000 | 5,173,000 | 4,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 764,000 | 1,582,000 | 2,431,000 | 3,330,000 |
| Interest expense | 286,000 | 593,000 | 942,000 | 1,327,000 |
| Net interest income | 478,000 | 989,000 | 1,489,000 | 2,003,000 |
| Noninterest income | 71,000 | 155,000 | 245,000 | 328,000 |
| Noninterest expense | 251,000 | 524,000 | 787,000 | 1,149,000 |
| Provision for loan losses | 10,000 | 25,000 | 30,000 | 40,000 |
| Pretax income | 288,000 | 595,000 | 917,000 | 1,142,000 |
| Income tax | 92,000 | 182,000 | 276,000 | 331,000 |
| Net income | 196,000 | 413,000 | 641,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,782,000 | 5,000,000 | 5,228,000 | 4,598,000 |
| Total capital | 5,182,000 | 5,434,000 | 5,689,000 | 5,049,000 |
| Risk-weighted assets | 31,816,000 | 34,559,000 | 36,823,000 | 35,888,000 |
Machine access — free, no API key
Every figure shown here about WRAY STATE BANK — 2006 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.