Call reports 2020
WRAY STATE BANK — 2020
What WRAY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 159,026,000 | 166,829,000 | 169,445,000 | 179,733,000 |
| Total loans | 120,613,000 | 129,075,000 | 134,517,000 | 124,519,000 |
| Allowance for loan losses | 2,135,000 | 1,970,000 | 2,054,000 | 2,165,000 |
| Securities available for sale | 16,734,000 | 14,045,000 | 17,791,000 | 29,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,310,000 | 145,525,000 | 147,963,000 | 158,322,000 |
| Interest-bearing deposits | 107,111,000 | 111,198,000 | 112,064,000 | 115,113,000 |
| Noninterest-bearing deposits | 31,199,000 | 34,327,000 | 35,899,000 | 43,209,000 |
| Equity capital | 18,598,000 | 19,077,000 | 19,229,000 | 19,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,821,000 | 3,766,000 | 5,437,000 | 7,050,000 |
| Interest expense | 263,000 | 516,000 | 742,000 | 916,000 |
| Net interest income | 1,558,000 | 3,250,000 | 4,695,000 | 6,134,000 |
| Noninterest income | 162,000 | 286,000 | 447,000 | 599,000 |
| Noninterest expense | 1,130,000 | 2,234,000 | 3,340,000 | 4,423,000 |
| Provision for loan losses | 100,000 | 240,000 | 390,000 | 500,000 |
| Pretax income | 490,000 | 1,002,000 | 1,354,000 | 1,752,000 |
| Income tax | 113,000 | 248,000 | 326,000 | 415,000 |
| Net income | 377,000 | 754,000 | 1,028,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,774,000 | 16,212,000 | 16,420,000 | 16,662,000 |
| Total capital | 17,321,000 | 17,774,000 | 18,058,000 | 18,255,000 |
| Risk-weighted assets | 123,132,000 | 124,560,000 | 130,597,000 | 126,926,000 |