Call reports 2017
WRAY STATE BANK — 2017
What WRAY STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 152,494,000 | 153,438,000 | 158,149,000 | 163,882,000 |
| Total loans | 117,844,000 | 121,243,000 | 126,702,000 | 123,070,000 |
| Allowance for loan losses | 1,684,000 | 1,812,000 | 1,897,000 | 1,783,000 |
| Securities available for sale | 21,204,000 | 15,688,000 | 14,603,000 | 24,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,033,000 | 138,347,000 | 142,023,000 | 148,811,000 |
| Interest-bearing deposits | 107,634,000 | 112,801,000 | 114,042,000 | 115,919,000 |
| Noninterest-bearing deposits | 29,399,000 | 25,546,000 | 27,981,000 | 32,892,000 |
| Equity capital | 14,330,000 | 14,476,000 | 14,613,000 | 14,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,560,000 | 3,195,000 | 4,905,000 | 6,638,000 |
| Interest expense | 195,000 | 406,000 | 628,000 | 852,000 |
| Net interest income | 1,365,000 | 2,789,000 | 4,277,000 | 5,786,000 |
| Noninterest income | 142,000 | 285,000 | 425,000 | 561,000 |
| Noninterest expense | 1,047,000 | 2,153,000 | 3,239,000 | 4,295,000 |
| Provision for loan losses | 78,000 | 232,000 | 447,000 | 642,000 |
| Pretax income | 382,000 | 689,000 | 1,016,000 | 1,410,000 |
| Income tax | 125,000 | 236,000 | 338,000 | 679,000 |
| Net income | 257,000 | 453,000 | 678,000 | 731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,677,000 | 11,810,000 | 11,969,000 | 11,993,000 |
| Total capital | 13,227,000 | 13,396,000 | 13,597,000 | 13,579,000 |
| Risk-weighted assets | 123,891,000 | 126,647,000 | 129,965,000 | 126,740,000 |