Wray State Bank in Wray, Colorado (CO)



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Wray State Bank
GeneralFDIC Certificate #: 22447
Status: Active
Federal Reserve ID: 541754
Bank Holding Company (Regulatory Top Holder): Hotc Investment Company (RSSDID: 3685891, Location: Wray, CO)
Date Established: April 11, 1977
WWW: http://www.wraystatebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 15645
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: April 11, 1977
Last Structure Change Effective Date: November 13, 2007
Last Structure Change Process Date: November 29, 2007
Last Data Update: November 29, 2007
Data Source Date: April 05, 2012
LocationAddress: 300 Clay Street, Wray, CO 80758
County: Yuma
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Denver
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
History of ChangesChange in Location
Financial SummaryTotal assets: $94.1 mil
Equity capital: $10.4 mil
Deposits held in domestic offices: $80.6 mil
Return on assets (ROA): 0.52% ($0.5 mil)
Quarterly return on assets: 0.46% ($0.4 mil)
Return on Equity (ROE): 4.61% ($0.5 mil)
Quarterly return on equity: 4.21% ($0.4 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.66% ($620.9 mil)
Quarterly Pretax return on assets: 0.45% ($423.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)22
Total assets$94,077
Cash and due from depository institutions$4,434
Interest-bearing balances$0
Securities$19,895
Federal funds sold & reverse repurchase agreements$8,600
Net loans & leases$51,994
Loan loss allowance $1,155
Trading account assets$0
Bank premises and fixed assets$3,301
Other real estate owned$0
Goodwill and other intangibles$2,659
All other assets$3,194
Life insurance assets$94,077
Total liabilities and capital$83,705
Total liabilities$80,590
Total deposits$64,396
Interest-bearing deposits$80,590
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,204
Other borrowed funds $0
Subordinated debt $911
All other liabilities $10,372
Total equity capital$10,372
Total bank equity capital$10,372
Perpetual preferred stock$0
Common stock$250
Surplus$9,024
Undivided profits $1,098
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $257
Earning assets $0
Long-term assets (5+ years) $927
Average Assets, year-to-date $80,489
Average Assets, quarterly $7,678
Volatile liabilities $83,819
Insider loans $90,943
FHLB advances $60,960
Loans and leases held for sale $88,825
Unused loan commitments $1,129
Tier 1 (core) risk-based capital $1,129
Tier 2 risk-based capital $7,408
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,120
Derivatives$509
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,678
Total interest expense $897
Net interest income $2,781
Provision for loan and lease losses $359
Total noninterest income $437
Fiduciary activities $0
Service charges on deposit accounts $302
Trading account gains & fees $0
Additional noninterest income $135
Total noninterest expense $2,309
Salaries and employee benefits $1,220
Premises and equipment expense $304
Additional noninterest expense $785
Pre-tax net operating income $550
Securities gains (losses) $0
Applicable income taxes $116
Income before extraordinary items $434
Extraordinary gains - net $0
Net income attributable to bank $434
Net charge-offs $0
Cash dividends $434
Sale, conversion, retirement of capital stock, net $296
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.04%
Cost of funding earning assets 1.23%
Net interest margin 3.81%
Noninterest income to earning assets 0.60%
Noninterest expense to earning assets 3.16%
Net operating income to assets 0.52%
Return on assets (ROA) 0.52%
Pretax return on assets 0.66%
Return on equity (ROE) 4.61%
Retained earnings to average equity (YTD only) 4.61%
Net charge-offs to loans 0.57%
Credit loss provision to net charge-offs 121.28%
Efficiency ratio3.07%
Assets per employee$70,323
Cash dividends to net income (YTD only)4.28%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.17%
Noncurrent assets plus other real estate owned to assets 449.42%
Noncurrent loans to loans 0.27%
Net loans and leases to deposits0.48%
Net loans and leases to core deposits 64.52%
Equity capital to assets 71.57%
Core capital (leverage) ratio 11.03%
Tier 1 risk-based capital ratio 8.34%
Total risk-based capital ratio 12.15%
Memoranda
Average assets$13
Average earning assets$83,819
Average equity $9,415
Average loans $73,019
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2 Colorado Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
015645Wray State Bank300 Clay Street, Wray, CO 80758April 11, 1977Full Service Brick and Mortar
1522169Windsor Branch1130 Main Street, Windsor, CO 80550July 11, 2011Full Service Brick and Mortar
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