Call reports 2008
BANK OF HAYS — 2008
What BANK OF HAYS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 118,126,000 | 123,110,000 | 125,260,000 | 140,591,000 |
| Total loans | 77,164,000 | 84,740,000 | 83,337,000 | 85,853,000 |
| Allowance for loan losses | 711,000 | 726,000 | 758,000 | 832,000 |
| Securities available for sale | 11,948,000 | 14,002,000 | 13,474,000 | 27,494,000 |
| Securities held to maturity | 12,556,000 | 13,718,000 | 15,446,000 | 17,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,457,000 | 105,585,000 | 107,607,000 | 117,708,000 |
| Interest-bearing deposits | 88,954,000 | 88,758,000 | 91,299,000 | 101,544,000 |
| Noninterest-bearing deposits | 13,503,000 | 16,827,000 | 16,308,000 | 16,164,000 |
| Equity capital | 8,673,000 | 8,779,000 | 9,051,000 | 10,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,783,000 | 3,464,000 | 5,132,000 | 6,832,000 |
| Interest expense | 826,000 | 1,566,000 | 2,221,000 | 2,836,000 |
| Net interest income | 957,000 | 1,898,000 | 2,911,000 | 3,996,000 |
| Noninterest income | 65,000 | 174,000 | 230,000 | 296,000 |
| Noninterest expense | 701,000 | 1,390,000 | 2,073,000 | 2,803,000 |
| Provision for loan losses | 30,000 | 45,000 | 75,000 | 270,000 |
| Pretax income | 291,000 | 637,000 | 993,000 | 1,270,000 |
| Income tax | 72,000 | 164,000 | 257,000 | 310,000 |
| Net income | 219,000 | 473,000 | 736,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,495,000 | 8,749,000 | 9,013,000 | 10,253,000 |
| Total capital | 9,206,000 | 9,475,000 | 9,771,000 | 11,085,000 |
| Risk-weighted assets | 86,885,000 | 92,785,000 | 90,684,000 | 96,415,000 |