Call reports 2005
BANK OF HAYS — 2005
What BANK OF HAYS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 44,265,000 | 47,746,000 | 51,623,000 | 58,774,000 |
| Total loans | 26,636,000 | 31,691,000 | 37,706,000 | 47,476,000 |
| Allowance for loan losses | 317,000 | 377,000 | 433,000 | 484,000 |
| Securities available for sale | 10,552,000 | 8,769,000 | 8,473,000 | 5,951,000 |
| Securities held to maturity | 2,123,000 | 2,122,000 | 1,847,000 | 1,846,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,606,000 | 39,984,000 | 41,900,000 | 49,071,000 |
| Interest-bearing deposits | 30,802,000 | 33,713,000 | 34,343,000 | 42,328,000 |
| Noninterest-bearing deposits | 5,804,000 | 6,271,000 | 7,557,000 | 6,743,000 |
| Equity capital | 7,595,000 | 7,654,000 | 7,621,000 | 7,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 1,097,000 | 1,757,000 | 2,528,000 |
| Interest expense | 125,000 | 280,000 | 487,000 | 746,000 |
| Net interest income | 383,000 | 817,000 | 1,270,000 | 1,782,000 |
| Noninterest income | 33,000 | 71,000 | 108,000 | 88,000 |
| Noninterest expense | 460,000 | 905,000 | 1,331,000 | 1,773,000 |
| Provision for loan losses | 0 | 60,000 | 120,000 | 180,000 |
| Pretax income | -44,000 | -67,000 | -63,000 | -73,000 |
| Income tax | -10,000 | -26,000 | -28,000 | -32,000 |
| Net income | -34,000 | -41,000 | -35,000 | -41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,698,000 | 7,691,000 | 7,697,000 | 7,691,000 |
| Total capital | 8,015,000 | 8,068,000 | 8,130,000 | 8,175,000 |
| Risk-weighted assets | 30,069,000 | 35,040,000 | 40,353,000 | 49,772,000 |