Call reports 2009
BANK OF HAYS — 2009
What BANK OF HAYS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 144,134,000 | 144,023,000 | 146,140,000 | 150,198,000 |
| Total loans | 84,699,000 | 84,945,000 | 90,211,000 | 90,516,000 |
| Allowance for loan losses | 872,000 | 847,000 | 903,000 | 982,000 |
| Securities available for sale | 31,017,000 | 30,775,000 | 28,031,000 | 27,322,000 |
| Securities held to maturity | 18,670,000 | 21,359,000 | 20,750,000 | 21,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,105,000 | 118,613,000 | 121,338,000 | 126,774,000 |
| Interest-bearing deposits | 104,580,000 | 100,425,000 | 102,339,000 | 106,912,000 |
| Noninterest-bearing deposits | 16,525,000 | 18,188,000 | 18,999,000 | 19,862,000 |
| Equity capital | 10,384,000 | 10,689,000 | 11,034,000 | 10,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,690,000 | 3,352,000 | 5,047,000 | 6,784,000 |
| Interest expense | 550,000 | 1,071,000 | 1,572,000 | 2,070,000 |
| Net interest income | 1,140,000 | 2,281,000 | 3,475,000 | 4,714,000 |
| Noninterest income | 70,000 | 152,000 | 260,000 | 341,000 |
| Noninterest expense | 802,000 | 1,604,000 | 2,419,000 | 3,258,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 265,000 |
| Pretax income | 363,000 | 723,000 | 1,162,000 | 1,558,000 |
| Income tax | 64,000 | 147,000 | 258,000 | 348,000 |
| Net income | 299,000 | 576,000 | 904,000 | 1,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,311,000 | 10,589,000 | 10,916,000 | 10,823,000 |
| Total capital | 11,183,000 | 11,436,000 | 11,819,000 | 11,805,000 |
| Risk-weighted assets | 94,942,000 | 94,845,000 | 97,180,000 | 98,348,000 |