Call reports 2010
WRAY STATE BANK — 2010
What WRAY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 69,371,000 | 72,710,000 | 74,278,000 | 77,450,000 |
| Total loans | 45,661,000 | 49,889,000 | 50,975,000 | 50,883,000 |
| Allowance for loan losses | 948,000 | 1,027,000 | 1,083,000 | 1,093,000 |
| Securities available for sale | 16,196,000 | 15,157,000 | 13,828,000 | 11,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,174,000 | 58,849,000 | 62,111,000 | 65,232,000 |
| Interest-bearing deposits | 49,723,000 | 51,743,000 | 54,080,000 | 54,423,000 |
| Noninterest-bearing deposits | 7,450,000 | 7,105,000 | 8,031,000 | 10,810,000 |
| Equity capital | 8,580,000 | 8,618,000 | 8,791,000 | 8,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 803,000 | 1,681,000 | 2,584,000 | 3,465,000 |
| Interest expense | 248,000 | 503,000 | 752,000 | 1,002,000 |
| Net interest income | 555,000 | 1,178,000 | 1,832,000 | 2,463,000 |
| Noninterest income | 107,000 | 208,000 | 321,000 | 432,000 |
| Noninterest expense | 516,000 | 1,034,000 | 1,540,000 | 2,072,000 |
| Provision for loan losses | 90,000 | 285,000 | 370,000 | 380,000 |
| Pretax income | 56,000 | 67,000 | 243,000 | 443,000 |
| Income tax | 21,000 | 0 | 30,000 | 74,000 |
| Net income | 35,000 | 67,000 | 213,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,512,000 | 5,581,000 | 5,738,000 | 5,906,000 |
| Total capital | 6,135,000 | 6,247,000 | 6,420,000 | 6,622,000 |
| Risk-weighted assets | 49,665,000 | 52,981,000 | 54,159,000 | 56,969,000 |
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