Call reports 2019
WRAY STATE BANK — 2019
What WRAY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 157,232,000 | 150,779,000 | 152,403,000 | 159,318,000 |
| Total loans | 121,172,000 | 122,092,000 | 124,763,000 | 123,701,000 |
| Allowance for loan losses | 1,866,000 | 1,922,000 | 1,893,000 | 1,968,000 |
| Securities available for sale | 19,082,000 | 13,550,000 | 12,076,000 | 11,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,732,000 | 132,904,000 | 127,847,000 | 140,566,000 |
| Interest-bearing deposits | 111,291,000 | 104,935,000 | 101,046,000 | 104,275,000 |
| Noninterest-bearing deposits | 28,441,000 | 27,969,000 | 26,801,000 | 36,291,000 |
| Equity capital | 16,743,000 | 17,299,000 | 17,633,000 | 18,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,856,000 | 3,740,000 | 5,619,000 | 7,497,000 |
| Interest expense | 243,000 | 489,000 | 758,000 | 1,028,000 |
| Net interest income | 1,613,000 | 3,251,000 | 4,861,000 | 6,469,000 |
| Noninterest income | 151,000 | 295,000 | 465,000 | 622,000 |
| Noninterest expense | 1,136,000 | 2,240,000 | 3,366,000 | 4,422,000 |
| Provision for loan losses | 60,000 | 155,000 | 320,000 | 395,000 |
| Pretax income | 568,000 | 1,155,000 | 1,644,000 | 2,278,000 |
| Income tax | 126,000 | 260,000 | 371,000 | 519,000 |
| Net income | 442,000 | 895,000 | 1,273,000 | 1,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,183,000 | 14,647,000 | 14,973,000 | 15,452,000 |
| Total capital | 15,736,000 | 16,173,000 | 16,494,000 | 17,013,000 |
| Risk-weighted assets | 123,957,000 | 121,736,000 | 121,310,000 | 124,505,000 |