| Weiss Ratings |
Wray State Bank
Wray, CO |
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| Rating | ||||
| Asset Quality Index | 3.00 | |||
| Capitalization Index | 8.60 | |||
| Liquidity Index | 1.40 | |||
| Profitability Index | 6.20 | |||
| Stability Index | 6.80 | |||
| Company Info |
Wray State Bank
Wray, CO |
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| FDIC Number | 22447 | |||
| Phone Number | (970) 332-4111 | |||
| Website | wraystatebank.com | |||
| Asset Quality |
Wray State Bank
Wray, CO |
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| 1-Year Asset Growth | 10.22% | |||
| 5-Year Asset Growth | 13.51% | |||
| 5-Year Charge-Offs to Average Loans | 0.07% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.46% | |||
| Non-Performing Loans to Capital | 10.56% | |||
| Non-Performing Loans to Loans | 0.63% | |||
| Balance Sheet |
Wray State Bank
Wray, CO |
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| Total Assets | 286.46M | |||
| Total Deposits | 254.44M | |||
| Capital and Reserves |
Wray State Bank
Wray, CO |
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| Capital | 29.04M | |||
| Leverage Ratio | 10.06 | |||
| Loan Loss Reserves to Loans | 1.50% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Wray State Bank
Wray, CO |
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| Hot Money Ratio | 31.83% | |||
| Liquidity Ratio | 11.07% | |||
| Profitability |
Wray State Bank
Wray, CO |
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| 5-Year Return on Average Assets | 1.10% | |||
| Net Income | 2.48M | |||
| Net Interest Spread | 4.08% | |||
| Operating Profit to Average Assets | 1.59% | |||
| Overhead Efficiency Ratio | 58.47% | |||
| Return on Assets | 1.22% | |||
| Return on Equity | 12.17% | |||