Call reports 2008
WRAY STATE BANK — 2008
What WRAY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,944,000 | 59,108,000 | 60,884,000 | 66,103,000 |
| Total loans | 30,270,000 | 35,159,000 | 37,529,000 | 37,624,000 |
| Allowance for loan losses | 610,000 | 622,000 | 631,000 | 674,000 |
| Securities available for sale | 17,226,000 | 16,663,000 | 16,441,000 | 16,698,000 |
| Securities held to maturity | 2,501,000 | 2,504,000 | 2,508,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,424,000 | 48,588,000 | 48,259,000 | 54,617,000 |
| Interest-bearing deposits | 40,827,000 | 42,466,000 | 41,139,000 | 44,392,000 |
| Noninterest-bearing deposits | 6,597,000 | 6,122,000 | 7,120,000 | 10,225,000 |
| Equity capital | 4,538,000 | 4,348,000 | 4,617,000 | 7,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 901,000 | 1,764,000 | 2,645,000 | 817,000 |
| Interest expense | 417,000 | 810,000 | 1,171,000 | 329,000 |
| Net interest income | 484,000 | 954,000 | 1,474,000 | 488,000 |
| Noninterest income | 102,000 | 208,000 | 334,000 | 118,000 |
| Noninterest expense | 348,000 | 710,000 | 1,107,000 | 558,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 40,000 |
| Pretax income | 238,000 | 442,000 | 681,000 | 8,000 |
| Income tax | 55,000 | 100,000 | 163,000 | -23,000 |
| Net income | 183,000 | 342,000 | 518,000 | 31,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,241,000 | 4,249,000 | 4,426,000 | 4,931,000 |
| Total capital | 4,689,000 | 4,748,000 | 4,947,000 | 5,449,000 |
| Risk-weighted assets | 35,640,000 | 39,863,000 | 41,643,000 | 41,359,000 |
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