| Weiss Ratings |
Wray State Bank
Wray, CO |
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| Rating | ||||
| Asset Quality Index | 3.40 | |||
| Capitalization Index | 7.70 | |||
| Liquidity Index | 2.00 | |||
| Profitability Index | 6.30 | |||
| Stability Index | 6.40 | |||
| 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 | 15.74% | |||
| 5-Year Asset Growth | 14.37% | |||
| 5-Year Charge-Offs to Average Loans | 0.07% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.45% | |||
| Non-Performing Loans to Capital | 6.73% | |||
| Non-Performing Loans to Loans | 0.65% | |||
| Balance Sheet |
Wray State Bank
Wray, CO |
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| Total Assets | 308.91M | |||
| Total Deposits | 276.17M | |||
| Capital and Reserves |
Wray State Bank
Wray, CO |
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| Capital | 30.16M | |||
| Leverage Ratio | 9.47 | |||
| Loan Loss Reserves to Loans | 1.49% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Wray State Bank
Wray, CO |
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| Hot Money Ratio | 31.31% | |||
| Liquidity Ratio | 16.47% | |||
| Profitability |
Wray State Bank
Wray, CO |
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| 5-Year Return on Average Assets | 1.10% | |||
| Net Income | 3.50M | |||
| Net Interest Spread | 4.07% | |||
| Operating Profit to Average Assets | 1.63% | |||
| Overhead Efficiency Ratio | 57.24% | |||
| Return on Assets | 1.26% | |||
| Return on Equity | 12.60% | |||