Call reports 2014
WRAY STATE BANK — 2014
What WRAY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 106,934,000 | 111,210,000 | 105,378,000 | 109,324,000 |
| Total loans | 65,531,000 | 71,640,000 | 76,039,000 | 82,511,000 |
| Allowance for loan losses | 1,383,000 | 1,340,000 | 1,401,000 | 1,323,000 |
| Securities available for sale | 28,582,000 | 28,256,000 | 15,103,000 | 14,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,823,000 | 90,382,000 | 92,973,000 | 96,911,000 |
| Interest-bearing deposits | 70,451,000 | 69,473,000 | 69,361,000 | 73,079,000 |
| Noninterest-bearing deposits | 24,371,000 | 20,909,000 | 23,612,000 | 23,832,000 |
| Equity capital | 10,976,000 | 11,163,000 | 11,285,000 | 11,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,989,000 | 3,047,000 | 4,102,000 |
| Interest expense | 131,000 | 257,000 | 378,000 | 498,000 |
| Net interest income | 829,000 | 1,732,000 | 2,669,000 | 3,604,000 |
| Noninterest income | 101,000 | 211,000 | 321,000 | 433,000 |
| Noninterest expense | 762,000 | 1,508,000 | 2,294,000 | 3,068,000 |
| Provision for loan losses | 48,000 | 96,000 | 156,000 | 236,000 |
| Pretax income | 120,000 | 339,000 | 582,000 | 775,000 |
| Income tax | 20,000 | 93,000 | 155,000 | 218,000 |
| Net income | 100,000 | 246,000 | 427,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,323,000 | 8,445,000 | 8,621,000 | 8,719,000 |
| Total capital | 9,236,000 | 9,437,000 | 9,658,000 | 9,841,000 |
| Risk-weighted assets | 72,600,000 | 79,064,000 | 82,671,000 | 89,600,000 |