Wray State Bank in city_name, state_name - Detailed Financial Reports, Location

Wray State Bank in Wray, Colorado (CO)
Show street view No street view available for this location

Wray State Bank routing number info

Wray State Bank - Overview

General
FDIC 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
Location
Address: 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 Changes
Change in Location
Financial Summary
Total 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
22Total employees (full-time equivalent)
$94,077Total assets
$4,434Cash and due from depository institutions
$0Interest-bearing balances
$19,895Securities
$8,600Federal funds sold & reverse repurchase agreements
$51,994Net loans & leases
$1,155Loan loss allowance
$0Trading account assets
$3,301Bank premises and fixed assets
$0Other real estate owned
$2,659Goodwill and other intangibles
$94,077Life insurance assets
$3,194All other assets
$83,705Total liabilities and capital
$80,590Total liabilities
$64,396Total deposits
$80,590Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,204Trading liabilities
$0Other borrowed funds
$911Subordinated debt
$10,372All other liabilities
$10,372Total equity capital
$10,372Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$9,024Surplus
$1,098Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$257Income earned, not collected on loans
$0Earning assets
$927Long-term assets (5+ years)
$80,489Average Assets, year-to-date
$7,678Average Assets, quarterly
$83,819Volatile liabilities
$90,943Insider loans
$60,960FHLB advances
$88,825Loans and leases held for sale
$1,129Unused loan commitments
$1,129Tier 1 (core) risk-based capital
$7,408Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$14,120Restructured Loans and leases
$509Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,678Total interest income
$897Total interest expense
$2,781Net interest income
$359Provision for loan and lease losses
$437Total noninterest income
$0Fiduciary activities
$302Service charges on deposit accounts
$0Trading account gains & fees
$135Additional noninterest income
$2,309Total noninterest expense
$1,220Salaries and employee benefits
$304Premises and equipment expense
$785Additional noninterest expense
$550Pre-tax net operating income
$0Securities gains (losses)
$116Applicable income taxes
$434Income before extraordinary items
$0Extraordinary gains - net
$434Net income attributable to bank
$0Net charge-offs
$434Cash dividends
$296Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.04%Yield on earning assets
1.23%Cost of funding earning assets
3.81%Net interest margin
0.60%Noninterest income to earning assets
3.16%Noninterest expense to earning assets
0.52%Net operating income to assets
0.52%Return on assets (ROA)
0.66%Pretax return on assets
4.61%Return on equity (ROE)
4.61%Retained earnings to average equity (YTD only)
0.57%Net charge-offs to loans
121.28%Credit loss provision to net charge-offs
3.07%Efficiency ratio
70,323Assets per employee
4.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.17%Loss allowance to noncurrent loans
449.42%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.48%Net loans and leases to deposits
64.52%Net loans and leases to core deposits
71.57%Equity capital to assets
11.03%Core capital (leverage) ratio
8.34%Tier 1 risk-based capital ratio
12.15%Total risk-based capital ratio
Memoranda
$13Average assets
$83,819Average earning assets
$9,415Average equity
$73,019Average loans

List of branches

2 Colorado Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	15645	Wray State Bank	300 Clay Street, Wray, CO 80758	April 11, 1977	Full Service Brick and Mortar
1	522169	Windsor Branch	1130 Main Street, Windsor, CO 80550	July 11, 2011	Full Service Brick and Mortar

Wray State Bank in Wray, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Wray State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Wray State Bank in Wray, Colorado (CO)Overview, Financial Summary, Detailed Financial Reports, Branches

Wray State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Wray State Bank in Wray, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches