Call reports 2004
BANK OF HAYS — 2004
What BANK OF HAYS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 31,413,000 | 30,688,000 | 29,166,000 | 38,797,000 |
| Total loans | 15,340,000 | 15,172,000 | 15,294,000 | 17,504,000 |
| Allowance for loan losses | 312,000 | 308,000 | 316,000 | 318,000 |
| Securities available for sale | 11,128,000 | 11,622,000 | 10,102,000 | 8,937,000 |
| Securities held to maturity | 2,335,000 | 2,245,000 | 2,264,000 | 2,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,354,000 | 27,602,000 | 26,150,000 | 31,701,000 |
| Interest-bearing deposits | 24,419,000 | 23,653,000 | 22,497,000 | 27,336,000 |
| Noninterest-bearing deposits | 3,935,000 | 3,949,000 | 3,653,000 | 4,365,000 |
| Equity capital | 2,829,000 | 2,686,000 | 2,747,000 | 6,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 383,000 | 778,000 | 1,167,000 | 1,578,000 |
| Interest expense | 92,000 | 178,000 | 267,000 | 368,000 |
| Net interest income | 291,000 | 600,000 | 900,000 | 1,210,000 |
| Noninterest income | 28,000 | 64,000 | 102,000 | 138,000 |
| Noninterest expense | 276,000 | 529,000 | 778,000 | 1,144,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 50,000 | 137,000 | 197,000 | 191,000 |
| Income tax | 8,000 | 33,000 | 52,000 | 38,000 |
| Net income | 42,000 | 104,000 | 145,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,693,000 | 2,755,000 | 2,719,000 | 6,987,000 |
| Total capital | 2,932,000 | 2,989,000 | 2,950,000 | 7,276,000 |
| Risk-weighted assets | 19,080,000 | 18,627,000 | 18,356,000 | 23,078,000 |