Call reports 2022
WRAY STATE BANK — 2022
What WRAY STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 196,134,000 | 195,114,000 | 195,268,000 | 201,286,000 |
| Total loans | 138,395,000 | 141,252,000 | 148,524,000 | 154,850,000 |
| Allowance for loan losses | 2,594,000 | 2,458,000 | 2,482,000 | 2,395,000 |
| Securities available for sale | 24,315,000 | 25,675,000 | 30,159,000 | 29,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,852,000 | 173,192,000 | 173,238,000 | 176,279,000 |
| Interest-bearing deposits | 120,497,000 | 122,909,000 | 118,889,000 | 121,959,000 |
| Noninterest-bearing deposits | 53,356,000 | 50,283,000 | 54,349,000 | 54,320,000 |
| Equity capital | 20,570,000 | 19,997,000 | 19,461,000 | 20,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,723,000 | 3,437,000 | 5,437,000 | 7,740,000 |
| Interest expense | 92,000 | 178,000 | 282,000 | 459,000 |
| Net interest income | 1,631,000 | 3,259,000 | 5,155,000 | 7,281,000 |
| Noninterest income | 160,000 | 339,000 | 527,000 | 696,000 |
| Noninterest expense | 1,172,000 | 2,335,000 | 3,503,000 | 4,738,000 |
| Provision for loan losses | 83,000 | 105,000 | 128,000 | 150,000 |
| Pretax income | 511,000 | 1,084,000 | 1,953,000 | 2,964,000 |
| Income tax | 120,000 | 252,000 | 452,000 | 693,000 |
| Net income | 391,000 | 832,000 | 1,501,000 | 2,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,771,000 | 19,128,000 | 19,712,000 | 20,396,000 |
| Total capital | 20,544,000 | 20,944,000 | 21,577,000 | 22,275,000 |
| Risk-weighted assets | 141,015,000 | 144,647,000 | 148,574,000 | 149,880,000 |