Call reports 2007
WRAY STATE BANK — 2007
What WRAY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 54,046,000 | 53,181,000 | 56,319,000 | 56,972,000 |
| Total loans | 30,064,000 | 32,011,000 | 31,975,000 | 31,265,000 |
| Allowance for loan losses | 600,000 | 620,000 | 571,000 | 606,000 |
| Securities available for sale | 13,816,000 | 12,903,000 | 14,222,000 | 15,836,000 |
| Securities held to maturity | 2,721,000 | 2,723,000 | 2,830,000 | 2,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,342,000 | 44,742,000 | 47,690,000 | 48,439,000 |
| Interest-bearing deposits | 38,169,000 | 38,144,000 | 40,833,000 | 40,424,000 |
| Noninterest-bearing deposits | 7,172,000 | 6,598,000 | 6,857,000 | 8,015,000 |
| Equity capital | 4,757,000 | 4,542,000 | 4,748,000 | 4,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 887,000 | 1,810,000 | 2,761,000 | 3,734,000 |
| Interest expense | 396,000 | 814,000 | 1,249,000 | 1,678,000 |
| Net interest income | 491,000 | 996,000 | 1,512,000 | 2,056,000 |
| Noninterest income | 92,000 | 188,000 | 281,000 | 380,000 |
| Noninterest expense | 307,000 | 642,000 | 947,000 | 1,278,000 |
| Provision for loan losses | 10,000 | 30,000 | 50,000 | 50,000 |
| Pretax income | 266,000 | 512,000 | 796,000 | 1,108,000 |
| Income tax | 90,000 | 137,000 | 224,000 | 298,000 |
| Net income | 176,000 | 375,000 | 572,000 | 810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,774,000 | 4,623,000 | 4,720,000 | 4,458,000 |
| Total capital | 5,222,000 | 5,088,000 | 5,184,000 | 4,920,000 |
| Risk-weighted assets | 35,658,000 | 37,070,000 | 37,014,000 | 36,831,000 |
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