Wray State Bank
Wray, CO — Non-member Bank
Active
Vitals
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Total Assets151.0M 9.7 %
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Total Deposits135.2M 8.9 %
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Total Net Loans113.6M 14.2 %
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Net Income901000.0000 41.9 %
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Book Value14.1M 11.4 %
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Book Value x228.2M 11.4 %
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Book Value x342.2M 11.4 %
Balance Sheet Highlights
| Financial Highlights | Wray State Bank | All Insured Commercial Banks in Colorado |
| Balance Sheet $(000) | ||
| Total Assets | 150,951 | 406,389 |
| Total Net Loans | 113,619 | 257,573 |
| Total Deposits | 135,236 | 344,879 |
| Total Equity | 14,080 | 40,990 |
| Profitability | ||
| Net Income | 901 | 4,034 |
| Return on Average Assets | .63 | 1.068 |
| Return on Average Equity | 6.766 | 9.983 |
| Net Interest Margin | 3.938 | 3.933 |
| Efficiency Ratio | 72.374 | 70.399 |
| Noninterest Income/Revenue | 8.927 | 23.071 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 84.015 | 73.804 |
| Securities/Assets | .149 | .203 |
| Total Equity/Total Assets | .093 | .101 |
| Tangible Equity/Tangible Assets | .076 | .096 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 11,489 | 39,094 |
| Tier 1 Capital | 11,489 | 39,135 |
| Tier 2 Capital | 1,517 | 3,076 |
| Total Capital | 13,006 | 42,210 |
| Total Risk Weighted Assets | 121,236 | 288,026 |
| Leverage Ratio | 7.92 | 10.22 |
| Common Equity Tier 1 Capital Ratio | 9.48 | 15.667 |
| Tier 1 Capital Ratio | 9.48 | 15.699 |
| Total Capital Ratio | 10.73 | 16.831 |
Timeline for Wray State Bank
Hotc Investment Company
Hotc Investment Company became a new parent organization for Wray State Bank.
View Profile Oct 24 2008
Washington Investment Company
Washington Investment Company became a new parent organization for Wray State Bank.
View Profile Mar 31 1994
Wray State Bancorporation
Wray State Bancorporation became a new parent organization for Wray State Bank.
View Profile Feb 18 1982
Wray State Bank
Wray State Bank was established 47 years ago and is currently headquartered in Wray, CO.
Apr 11 1977| Relationships | Role | Relationship Start | Relationship End |
| Hotc Investment Company | Parent | 10/24/2008 | |
| Washington Investment Company | Parent | 3/31/1994 | 10/23/2008 |
| Wray State Bancorporation | Parent | 12/31/1993 | 3/30/1994 |
| Wray State Bancorporation | Parent | 10/14/1986 | 12/30/1993 |
| Wray State Bancorporation | Parent | 2/18/1982 | 10/13/1986 |
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