Call reports 2016
WRAY STATE BANK — 2016
What WRAY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 139,646,000 | 142,111,000 | 145,952,000 | 150,951,000 |
| Total loans | 98,353,000 | 106,817,000 | 115,546,000 | 115,236,000 |
| Allowance for loan losses | 1,475,000 | 1,512,000 | 1,555,000 | 1,617,000 |
| Securities available for sale | 19,891,000 | 22,740,000 | 16,669,000 | 22,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,014,000 | 128,249,000 | 129,465,000 | 135,236,000 |
| Interest-bearing deposits | 101,663,000 | 101,909,000 | 102,051,000 | 104,381,000 |
| Noninterest-bearing deposits | 24,351,000 | 26,340,000 | 27,414,000 | 30,854,000 |
| Equity capital | 12,782,000 | 13,045,000 | 14,032,000 | 14,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,340,000 | 2,782,000 | 4,291,000 | 5,839,000 |
| Interest expense | 180,000 | 374,000 | 578,000 | 777,000 |
| Net interest income | 1,160,000 | 2,408,000 | 3,713,000 | 5,062,000 |
| Noninterest income | 136,000 | 281,000 | 433,000 | 578,000 |
| Noninterest expense | 1,029,000 | 2,041,000 | 3,089,000 | 4,124,000 |
| Provision for loan losses | 63,000 | 108,000 | 153,000 | 216,000 |
| Pretax income | 204,000 | 540,000 | 916,000 | 1,312,000 |
| Income tax | 55,000 | 159,000 | 295,000 | 411,000 |
| Net income | 149,000 | 381,000 | 621,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,083,000 | 10,336,000 | 11,304,000 | 11,489,000 |
| Total capital | 11,430,000 | 11,756,000 | 12,827,000 | 13,006,000 |
| Risk-weighted assets | 107,657,000 | 113,553,000 | 121,774,000 | 121,236,000 |