Call reports 2015
WRAY STATE BANK — 2015
What WRAY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 109,721,000 | 115,698,000 | 122,982,000 | 137,609,000 |
| Total loans | 82,296,000 | 90,156,000 | 95,053,000 | 100,918,000 |
| Allowance for loan losses | 1,302,000 | 1,311,000 | 1,352,000 | 1,412,000 |
| Securities available for sale | 14,295,000 | 14,205,000 | 14,161,000 | 19,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,267,000 | 99,627,000 | 106,152,000 | 124,218,000 |
| Interest-bearing deposits | 74,148,000 | 76,643,000 | 83,067,000 | 97,738,000 |
| Noninterest-bearing deposits | 23,119,000 | 22,984,000 | 23,085,000 | 26,480,000 |
| Equity capital | 11,712,000 | 11,799,000 | 12,411,000 | 12,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,296,000 | 3,559,000 | 4,875,000 |
| Interest expense | 123,000 | 261,000 | 423,000 | 594,000 |
| Net interest income | 978,000 | 2,035,000 | 3,136,000 | 4,281,000 |
| Noninterest income | 116,000 | 232,000 | 365,000 | 508,000 |
| Noninterest expense | 971,000 | 1,907,000 | 2,889,000 | 3,735,000 |
| Provision for loan losses | 20,000 | 40,000 | 80,000 | 146,000 |
| Pretax income | 103,000 | 320,000 | 532,000 | 908,000 |
| Income tax | 25,000 | 85,000 | 149,000 | 273,000 |
| Net income | 78,000 | 235,000 | 383,000 | 635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,920,000 | 9,125,000 | 9,730,000 | 9,965,000 |
| Total capital | 10,052,000 | 10,340,000 | 11,015,000 | 11,328,000 |
| Risk-weighted assets | 90,417,000 | 97,073,000 | 102,741,000 | 108,997,000 |