Call reports 2026
WRAY STATE BANK — 2026
What WRAY STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 303,974,000 | 311,982,000 |
| Total loans | 217,027,000 | 226,306,000 |
| Allowance for loan losses | 3,259,000 | 3,347,000 |
| Securities available for sale | 64,494,000 | 63,207,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 270,335,000 | 277,841,000 |
| Interest-bearing deposits | 223,176,000 | 228,904,000 |
| Noninterest-bearing deposits | 47,159,000 | 48,937,000 |
| Equity capital | 30,757,000 | 31,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 4,511,000 | 9,211,000 |
| Interest expense | 1,661,000 | 3,279,000 |
| Net interest income | 2,850,000 | 5,932,000 |
| Noninterest income | 233,000 | 460,000 |
| Noninterest expense | 1,864,000 | 3,450,000 |
| Provision for loan losses | 90,000 | 220,000 |
| Pretax income | 1,129,000 | 2,722,000 |
| Income tax | 251,000 | 616,000 |
| Net income | 878,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 29,247,000 | 30,380,000 |