Call reports 2003
BANK OF HAYS — 2003
What BANK OF HAYS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 31,799,000 | 29,140,000 | 29,712,000 | 31,368,000 |
| Total loans | 16,136,000 | 16,361,000 | 15,033,000 | 16,154,000 |
| Allowance for loan losses | 338,000 | 314,000 | 314,000 | 312,000 |
| Securities available for sale | 10,225,000 | 8,935,000 | 9,276,000 | 9,466,000 |
| Securities held to maturity | 1,892,000 | 1,891,000 | 1,735,000 | 2,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,753,000 | 25,848,000 | 26,623,000 | 28,359,000 |
| Interest-bearing deposits | 23,954,000 | 22,157,000 | 22,745,000 | 24,617,000 |
| Noninterest-bearing deposits | 4,799,000 | 3,691,000 | 3,878,000 | 3,742,000 |
| Equity capital | 2,797,000 | 2,878,000 | 2,819,000 | 2,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 420,000 | 812,000 | 1,200,000 | 1,574,000 |
| Interest expense | 127,000 | 239,000 | 339,000 | 432,000 |
| Net interest income | 293,000 | 573,000 | 861,000 | 1,142,000 |
| Noninterest income | 36,000 | 71,000 | 104,000 | 132,000 |
| Noninterest expense | 253,000 | 479,000 | 722,000 | 997,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 76,000 | 163,000 | 241,000 | 309,000 |
| Income tax | 23,000 | 50,000 | 66,000 | 70,000 |
| Net income | 53,000 | 113,000 | 175,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,623,000 | 2,682,000 | 2,665,000 | 2,649,000 |
| Total capital | 2,871,000 | 2,926,000 | 2,896,000 | 2,896,000 |
| Risk-weighted assets | 19,781,000 | 19,423,000 | 18,391,000 | 19,710,000 |