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


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
  • 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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