Call reports 2006
BANK OF HAYS — 2006
What BANK OF HAYS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 66,279,000 | 65,687,000 | 70,147,000 | 79,688,000 |
| Total loans | 50,793,000 | 53,644,000 | 54,229,000 | 59,602,000 |
| Allowance for loan losses | 514,000 | 544,000 | 574,000 | 605,000 |
| Securities available for sale | 5,947,000 | 5,696,000 | 5,679,000 | 5,576,000 |
| Securities held to maturity | 1,745,000 | 1,995,000 | 2,311,000 | 4,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,461,000 | 54,749,000 | 58,939,000 | 70,362,000 |
| Interest-bearing deposits | 47,760,000 | 44,339,000 | 48,837,000 | 59,933,000 |
| Noninterest-bearing deposits | 8,701,000 | 10,410,000 | 10,102,000 | 10,429,000 |
| Equity capital | 7,682,000 | 7,736,000 | 7,932,000 | 8,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,950,000 | 3,092,000 | 4,365,000 |
| Interest expense | 345,000 | 750,000 | 1,237,000 | 1,810,000 |
| Net interest income | 572,000 | 1,200,000 | 1,855,000 | 2,555,000 |
| Noninterest income | 44,000 | 81,000 | 121,000 | 163,000 |
| Noninterest expense | 456,000 | 940,000 | 1,418,000 | 1,978,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 130,000 | 281,000 | 468,000 | 620,000 |
| Income tax | 21,000 | 64,000 | 128,000 | 175,000 |
| Net income | 109,000 | 217,000 | 340,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,800,000 | 7,909,000 | 8,032,000 | 8,136,000 |
| Total capital | 8,314,000 | 8,453,000 | 8,606,000 | 8,741,000 |
| Risk-weighted assets | 52,856,000 | 55,375,000 | 63,739,000 | 67,854,000 |