Call reports 2013
WRAY STATE BANK — 2013
What WRAY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 102,565,000 | 104,008,000 | 106,091,000 | 107,406,000 |
| Total loans | 56,534,000 | 61,135,000 | 63,477,000 | 65,658,000 |
| Allowance for loan losses | 1,233,000 | 1,284,000 | 1,320,000 | 1,353,000 |
| Securities available for sale | 27,495,000 | 31,252,000 | 30,431,000 | 28,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,985,000 | 88,359,000 | 87,238,000 | 90,754,000 |
| Interest-bearing deposits | 69,391,000 | 68,085,000 | 68,005,000 | 69,862,000 |
| Noninterest-bearing deposits | 19,594,000 | 20,274,000 | 19,233,000 | 20,892,000 |
| Equity capital | 10,830,000 | 10,534,000 | 10,739,000 | 10,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 866,000 | 1,804,000 | 2,784,000 | 3,753,000 |
| Interest expense | 162,000 | 313,000 | 457,000 | 597,000 |
| Net interest income | 704,000 | 1,491,000 | 2,327,000 | 3,156,000 |
| Noninterest income | 99,000 | 203,000 | 291,000 | 408,000 |
| Noninterest expense | 722,000 | 1,383,000 | 2,094,000 | 2,757,000 |
| Provision for loan losses | 31,000 | 73,000 | 114,000 | 146,000 |
| Pretax income | 50,000 | 238,000 | 410,000 | 661,000 |
| Income tax | 10,000 | 40,000 | 85,000 | 164,000 |
| Net income | 40,000 | 198,000 | 325,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,867,000 | 8,002,000 | 8,122,000 | 8,254,000 |
| Total capital | 8,680,000 | 8,854,000 | 9,007,000 | 9,162,000 |
| Risk-weighted assets | 64,664,000 | 67,805,000 | 70,404,000 | 72,242,000 |
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