Call reports 2023
WRAY STATE BANK — 2023
What WRAY STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 203,280,000 | 213,749,000 | 226,019,000 | 246,550,000 |
| Total loans | 157,023,000 | 167,651,000 | 172,086,000 | 174,386,000 |
| Allowance for loan losses | 2,522,000 | 2,513,000 | 2,540,000 | 2,548,000 |
| Securities available for sale | 31,402,000 | 30,264,000 | 30,619,000 | 40,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,658,000 | 187,460,000 | 201,609,000 | 220,511,000 |
| Interest-bearing deposits | 126,201,000 | 144,653,000 | 157,557,000 | 168,794,000 |
| Noninterest-bearing deposits | 47,457,000 | 42,807,000 | 44,052,000 | 51,717,000 |
| Equity capital | 21,735,000 | 22,138,000 | 22,094,000 | 23,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,833,000 | 5,677,000 | 8,741,000 | 12,138,000 |
| Interest expense | 332,000 | 1,228,000 | 2,404,000 | 3,847,000 |
| Net interest income | 2,501,000 | 4,449,000 | 6,337,000 | 8,291,000 |
| Noninterest income | 171,000 | 350,000 | 535,000 | 713,000 |
| Noninterest expense | 1,227,000 | 2,515,000 | 3,790,000 | 5,180,000 |
| Provision for loan losses | 30,000 | 63,000 | 102,000 | 141,000 |
| Pretax income | 1,413,000 | 2,225,000 | 2,966,000 | 3,665,000 |
| Income tax | 351,000 | 523,000 | 686,000 | 843,000 |
| Net income | 1,062,000 | 1,702,000 | 2,280,000 | 2,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,374,000 | 21,919,000 | 22,402,000 | 22,848,000 |
| Total capital | 23,295,000 | 23,957,000 | 24,514,000 | 24,980,000 |
| Risk-weighted assets | 153,084,000 | 162,583,000 | 168,543,000 | 170,190,000 |