Call reports 2025
WRAY STATE BANK — 2025
What WRAY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 263,687,000 | 273,847,000 | 286,463,000 | 308,913,000 |
| Total loans | 196,143,000 | 202,679,000 | 205,776,000 | 212,432,000 |
| Allowance for loan losses | 2,969,000 | 3,048,000 | 3,095,000 | 3,171,000 |
| Securities available for sale | 50,269,000 | 48,995,000 | 51,361,000 | 55,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,009,000 | 243,569,000 | 254,437,000 | 276,165,000 |
| Interest-bearing deposits | 188,306,000 | 196,237,000 | 211,761,000 | 220,262,000 |
| Noninterest-bearing deposits | 45,703,000 | 47,332,000 | 42,676,000 | 55,903,000 |
| Equity capital | 26,731,000 | 27,372,000 | 29,044,000 | 30,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,911,000 | 8,104,000 | 12,402,000 | 16,992,000 |
| Interest expense | 1,501,000 | 3,029,000 | 4,682,000 | 6,424,000 |
| Net interest income | 2,410,000 | 5,075,000 | 7,720,000 | 10,568,000 |
| Noninterest income | 196,000 | 382,000 | 626,000 | 798,000 |
| Noninterest expense | 1,695,000 | 3,314,000 | 4,880,000 | 6,506,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 786,000 | 1,961,000 | 3,210,000 | 4,528,000 |
| Income tax | 183,000 | 452,000 | 732,000 | 1,030,000 |
| Net income | 603,000 | 1,509,000 | 2,478,000 | 3,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,854,000 | 26,665,000 | 27,539,000 | 28,463,000 |