Call reports 2018
WRAY STATE BANK — 2018
What WRAY STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 159,048,000 | 154,650,000 | 156,933,000 | 165,765,000 |
| Total loans | 121,510,000 | 125,069,000 | 128,584,000 | 126,249,000 |
| Allowance for loan losses | 1,945,000 | 2,017,000 | 1,826,000 | 1,831,000 |
| Securities available for sale | 22,067,000 | 16,068,000 | 14,067,000 | 22,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,795,000 | 138,878,000 | 139,559,000 | 149,030,000 |
| Interest-bearing deposits | 117,207,000 | 114,781,000 | 114,673,000 | 113,215,000 |
| Noninterest-bearing deposits | 26,588,000 | 24,097,000 | 24,887,000 | 35,815,000 |
| Equity capital | 14,638,000 | 15,179,000 | 15,512,000 | 16,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,494,000 | 5,311,000 | 7,208,000 |
| Interest expense | 226,000 | 464,000 | 708,000 | 955,000 |
| Net interest income | 1,476,000 | 3,030,000 | 4,603,000 | 6,253,000 |
| Noninterest income | 139,000 | 402,000 | 559,000 | 710,000 |
| Noninterest expense | 1,075,000 | 2,138,000 | 3,242,000 | 4,282,000 |
| Provision for loan losses | 220,000 | 290,000 | 330,000 | 302,000 |
| Pretax income | 320,000 | 1,004,000 | 1,590,000 | 2,379,000 |
| Income tax | 83,000 | 213,000 | 363,000 | 547,000 |
| Net income | 237,000 | 791,000 | 1,227,000 | 1,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,215,000 | 12,767,000 | 13,135,000 | 13,733,000 |
| Total capital | 13,769,000 | 14,356,000 | 14,762,000 | 15,342,000 |
| Risk-weighted assets | 123,921,000 | 126,705,000 | 129,973,000 | 128,522,000 |