Call reports 2007
BANK OF HAYS — 2007
What BANK OF HAYS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 84,016,000 | 94,398,000 | 108,810,000 | 117,120,000 |
| Total loans | 61,755,000 | 67,224,000 | 67,810,000 | 74,434,000 |
| Allowance for loan losses | 617,000 | 633,000 | 663,000 | 679,000 |
| Securities available for sale | 9,006,000 | 9,292,000 | 11,851,000 | 12,844,000 |
| Securities held to maturity | 5,455,000 | 6,735,000 | 8,971,000 | 10,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,646,000 | 79,806,000 | 93,700,000 | 101,675,000 |
| Interest-bearing deposits | 62,610,000 | 67,849,000 | 81,818,000 | 83,266,000 |
| Noninterest-bearing deposits | 11,036,000 | 11,957,000 | 11,882,000 | 18,409,000 |
| Equity capital | 7,963,000 | 8,092,000 | 8,328,000 | 8,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,355,000 | 2,867,000 | 4,556,000 | 6,308,000 |
| Interest expense | 643,000 | 1,370,000 | 2,256,000 | 3,169,000 |
| Net interest income | 712,000 | 1,497,000 | 2,300,000 | 3,139,000 |
| Noninterest income | 58,000 | 114,000 | 173,000 | 227,000 |
| Noninterest expense | 598,000 | 1,167,000 | 1,796,000 | 2,433,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 75,000 |
| Pretax income | 157,000 | 414,000 | 617,000 | 858,000 |
| Income tax | 30,000 | 110,000 | 165,000 | 228,000 |
| Net income | 127,000 | 304,000 | 452,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,019,000 | 8,195,000 | 8,343,000 | 8,521,000 |
| Total capital | 8,636,000 | 8,828,000 | 9,006,000 | 9,200,000 |
| Risk-weighted assets | 66,925,000 | 70,652,000 | 83,984,000 | 86,835,000 |