| Weiss Ratings |
Wray State Bank
Wray, CO |
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| Rating | ||||
| Asset Quality Index | 0.90 | |||
| Capitalization Index | 8.50 | |||
| Liquidity Index | 1.10 | |||
| Profitability Index | 5.80 | |||
| 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 | 4.44% | |||
| 5-Year Asset Growth | 13.51% | |||
| 5-Year Charge-Offs to Average Loans | 0.07% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.71% | |||
| Non-Performing Loans to Capital | 34.54% | |||
| Non-Performing Loans to Loans | 0.96% | |||
| Balance Sheet |
Wray State Bank
Wray, CO |
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| Total Assets | 273.85M | |||
| Total Deposits | 243.57M | |||
| Capital and Reserves |
Wray State Bank
Wray, CO |
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| Capital | 27.37M | |||
| Leverage Ratio | 9.99 | |||
| Loan Loss Reserves to Loans | 1.50% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Wray State Bank
Wray, CO |
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| Hot Money Ratio | 30.06% | |||
| Liquidity Ratio | 7.26% | |||
| Profitability |
Wray State Bank
Wray, CO |
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| 5-Year Return on Average Assets | 1.10% | |||
| Net Income | 1.51M | |||
| Net Interest Spread | 4.06% | |||
| Operating Profit to Average Assets | 1.47% | |||
| Overhead Efficiency Ratio | 60.73% | |||
| Return on Assets | 1.13% | |||
| Return on Equity | 11.34% | |||