Call reports 2011
WRAY STATE BANK — 2011
What WRAY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 78,484,000 | 81,274,000 | 87,809,000 | 94,077,000 |
| Total loans | 49,532,000 | 52,031,000 | 53,265,000 | 53,149,000 |
| Allowance for loan losses | 1,104,000 | 1,206,000 | 1,105,000 | 1,155,000 |
| Securities available for sale | 14,694,000 | 16,871,000 | 16,079,000 | 19,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,244,000 | 68,696,000 | 74,992,000 | 80,590,000 |
| Interest-bearing deposits | 55,432,000 | 56,210,000 | 61,469,000 | 64,396,000 |
| Noninterest-bearing deposits | 10,812,000 | 12,486,000 | 13,523,000 | 16,194,000 |
| Equity capital | 8,948,000 | 9,287,000 | 9,583,000 | 10,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,765,000 | 2,742,000 | 3,678,000 |
| Interest expense | 229,000 | 454,000 | 680,000 | 897,000 |
| Net interest income | 629,000 | 1,311,000 | 2,062,000 | 2,781,000 |
| Noninterest income | 104,000 | 230,000 | 343,000 | 437,000 |
| Noninterest expense | 521,000 | 976,000 | 1,658,000 | 2,309,000 |
| Provision for loan losses | 60,000 | 199,000 | 299,000 | 359,000 |
| Pretax income | 152,000 | 366,000 | 448,000 | 550,000 |
| Income tax | 50,000 | 94,000 | 119,000 | 116,000 |
| Net income | 102,000 | 272,000 | 329,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,021,000 | 6,322,000 | 6,591,000 | 7,408,000 |
| Total capital | 6,705,000 | 7,044,000 | 7,349,000 | 8,174,000 |
| Risk-weighted assets | 54,374,000 | 56,930,000 | 60,321,000 | 60,960,000 |