Call reports 2012
WRAY STATE BANK — 2012
What WRAY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 94,386,000 | 95,411,000 | 98,230,000 | 104,026,000 |
| Total loans | 51,082,000 | 54,738,000 | 55,067,000 | 57,085,000 |
| Allowance for loan losses | 1,173,000 | 1,211,000 | 1,231,000 | 1,265,000 |
| Securities available for sale | 23,778,000 | 23,675,000 | 25,169,000 | 23,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,081,000 | 81,838,000 | 84,374,000 | 90,321,000 |
| Interest-bearing deposits | 65,352,000 | 65,710,000 | 67,087,000 | 69,637,000 |
| Noninterest-bearing deposits | 15,728,000 | 16,129,000 | 17,287,000 | 20,684,000 |
| Equity capital | 10,378,000 | 10,573,000 | 10,822,000 | 10,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 899,000 | 1,807,000 | 2,757,000 | 3,626,000 |
| Interest expense | 208,000 | 395,000 | 577,000 | 747,000 |
| Net interest income | 691,000 | 1,412,000 | 2,180,000 | 2,879,000 |
| Noninterest income | 103,000 | 208,000 | 323,000 | 413,000 |
| Noninterest expense | 682,000 | 1,319,000 | 2,032,000 | 2,710,000 |
| Provision for loan losses | 62,000 | 123,000 | 144,000 | 156,000 |
| Pretax income | 50,000 | 178,000 | 327,000 | 426,000 |
| Income tax | 16,000 | 26,000 | 46,000 | 55,000 |
| Net income | 34,000 | 152,000 | 281,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,453,000 | 7,583,000 | 7,724,000 | 7,825,000 |
| Total capital | 8,198,000 | 8,349,000 | 8,490,000 | 8,630,000 |
| Risk-weighted assets | 59,182,000 | 60,830,000 | 60,807,000 | 63,997,000 |