Call reports 2002
BANK OF HAYS — 2002
What BANK OF HAYS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 30,275,000 | 30,192,000 | 30,300,000 | 31,740,000 |
| Total loans | 18,032,000 | 17,430,000 | 16,143,000 | 16,802,000 |
| Allowance for loan losses | 275,000 | 275,000 | 296,000 | 331,000 |
| Securities available for sale | 8,087,000 | 7,771,000 | 8,733,000 | 9,549,000 |
| Securities held to maturity | 2,058,000 | 2,097,000 | 2,133,000 | 1,893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,458,000 | 27,166,000 | 27,210,000 | 28,704,000 |
| Interest-bearing deposits | 24,133,000 | 23,633,000 | 23,140,000 | 24,767,000 |
| Noninterest-bearing deposits | 3,325,000 | 3,533,000 | 4,070,000 | 3,937,000 |
| Equity capital | 2,643,000 | 2,790,000 | 2,797,000 | 2,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 462,000 | 918,000 | 1,350,000 | 1,789,000 |
| Interest expense | 185,000 | 350,000 | 504,000 | 648,000 |
| Net interest income | 277,000 | 568,000 | 846,000 | 1,141,000 |
| Noninterest income | 39,000 | 76,000 | 113,000 | 146,000 |
| Noninterest expense | 235,000 | 464,000 | 727,000 | 992,000 |
| Provision for loan losses | 0 | 0 | 18,000 | 72,000 |
| Pretax income | 111,000 | 210,000 | 244,000 | 253,000 |
| Income tax | 24,000 | 56,000 | 60,000 | 55,000 |
| Net income | 87,000 | 154,000 | 184,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,583,000 | 2,651,000 | 2,605,000 | 2,569,000 |
| Total capital | 2,849,000 | 2,910,000 | 2,850,000 | 2,823,000 |
| Risk-weighted assets | 21,247,000 | 20,710,000 | 19,567,000 | 20,267,000 |