Call reports 2024
WRAY STATE BANK — 2024
What WRAY STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 250,938,000 | 262,200,000 | 259,905,000 | 266,909,000 |
| Total loans | 180,751,000 | 187,753,000 | 188,618,000 | 191,278,000 |
| Allowance for loan losses | 2,697,000 | 2,746,000 | 2,812,000 | 2,900,000 |
| Securities available for sale | 43,385,000 | 48,341,000 | 51,089,000 | 50,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,010,000 | 234,575,000 | 230,259,000 | 238,338,000 |
| Interest-bearing deposits | 182,044,000 | 192,088,000 | 184,808,000 | 183,583,000 |
| Noninterest-bearing deposits | 41,966,000 | 42,487,000 | 45,451,000 | 54,755,000 |
| Equity capital | 24,108,000 | 24,807,000 | 26,625,000 | 25,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,009,000 | 7,959,000 | 12,060,000 | 16,036,000 |
| Interest expense | 1,579,000 | 3,304,000 | 5,014,000 | 6,594,000 |
| Net interest income | 2,430,000 | 4,655,000 | 7,046,000 | 9,442,000 |
| Noninterest income | 194,000 | 387,000 | 594,000 | 743,000 |
| Noninterest expense | 1,412,000 | 2,865,000 | 4,308,000 | 6,134,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,132,000 | 1,999,000 | 3,105,000 | 3,722,000 |
| Income tax | 263,000 | 455,000 | 699,000 | 845,000 |
| Net income | 869,000 | 1,544,000 | 2,406,000 | 2,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,623,000 | 24,203,000 | 24,969,000 | 25,346,000 |
| Total capital | 25,793,000 | 26,473,000 | 27,235,000 | — |
| Risk-weighted assets | 173,151,000 | 181,184,000 | 180,760,000 | — |