Call reports 2009
WRAY STATE BANK — 2009
What WRAY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 66,160,000 | 67,444,000 | 69,334,000 | 69,510,000 |
| Total loans | 38,127,000 | 41,298,000 | 42,916,000 | 44,708,000 |
| Allowance for loan losses | 703,000 | 792,000 | 851,000 | 938,000 |
| Securities available for sale | 16,761,000 | 19,204,000 | 18,776,000 | 16,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,117,000 | 55,183,000 | 54,065,000 | 57,201,000 |
| Interest-bearing deposits | 45,351,000 | 47,680,000 | 46,280,000 | 48,497,000 |
| Noninterest-bearing deposits | 8,767,000 | 7,503,000 | 7,785,000 | 8,704,000 |
| Equity capital | 8,460,000 | 8,237,000 | 8,351,000 | 8,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 747,000 | 1,524,000 | 2,331,000 | 3,158,000 |
| Interest expense | 291,000 | 577,000 | 853,000 | 1,111,000 |
| Net interest income | 456,000 | 947,000 | 1,478,000 | 2,047,000 |
| Noninterest income | 110,000 | 223,000 | 340,000 | 452,000 |
| Noninterest expense | 449,000 | 948,000 | 1,441,000 | 1,985,000 |
| Provision for loan losses | 204,000 | 546,000 | 626,000 | 726,000 |
| Pretax income | -87,000 | -324,000 | -249,000 | -212,000 |
| Income tax | 6,000 | 0 | 0 | -170,000 |
| Net income | -93,000 | -324,000 | -249,000 | -42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,276,000 | 5,082,000 | 5,195,000 | 5,439,000 |
| Total capital | 5,802,000 | 5,638,000 | 5,788,000 | 6,055,000 |
| Risk-weighted assets | 41,931,000 | 44,317,000 | 47,217,000 | 48,964,000 |
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