Call reports 2021
WRAY STATE BANK — 2021
What WRAY STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 181,924,000 | 184,636,000 | 180,755,000 | 196,958,000 |
| Total loans | 132,000,000 | 139,428,000 | 138,635,000 | 140,612,000 |
| Allowance for loan losses | 2,236,000 | 2,346,000 | 2,371,000 | 2,491,000 |
| Securities available for sale | 29,997,000 | 28,681,000 | 26,306,000 | 23,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,740,000 | 154,250,000 | 155,118,000 | 174,153,000 |
| Interest-bearing deposits | 115,936,000 | 111,687,000 | 110,757,000 | 116,590,000 |
| Noninterest-bearing deposits | 43,804,000 | 42,563,000 | 44,361,000 | 57,563,000 |
| Equity capital | 19,988,000 | 20,487,000 | 20,808,000 | 21,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,225,000 | 4,189,000 | 5,804,000 | 7,507,000 |
| Interest expense | 142,000 | 270,000 | 389,000 | 496,000 |
| Net interest income | 2,083,000 | 3,919,000 | 5,415,000 | 7,011,000 |
| Noninterest income | 148,000 | 302,000 | 471,000 | 634,000 |
| Noninterest expense | 1,160,000 | 2,325,000 | 3,520,000 | 4,561,000 |
| Provision for loan losses | 85,000 | 108,000 | 130,000 | 249,000 |
| Pretax income | 926,000 | 1,725,000 | 2,174,000 | 2,766,000 |
| Income tax | 240,000 | 435,000 | 540,000 | 683,000 |
| Net income | 686,000 | 1,290,000 | 1,634,000 | 2,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,284,000 | 17,824,000 | 18,103,000 | 18,466,000 |
| Total capital | 18,898,000 | 19,535,000 | 19,800,000 | 20,256,000 |
| Risk-weighted assets | 128,461,000 | 136,280,000 | 135,049,000 | 142,563,000 |