Call reports 2010
BANK OF HAYS — 2010
What BANK OF HAYS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 150,998,000 | 154,374,000 | 168,178,000 | 181,169,000 |
| Total loans | 91,813,000 | 95,172,000 | 96,722,000 | 101,322,000 |
| Allowance for loan losses | 1,043,000 | 1,075,000 | 1,073,000 | 1,175,000 |
| Securities available for sale | 28,997,000 | 29,486,000 | 38,519,000 | 48,347,000 |
| Securities held to maturity | 21,807,000 | 21,143,000 | 21,209,000 | 22,882,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,547,000 | 130,587,000 | 143,484,000 | 150,284,000 |
| Interest-bearing deposits | 108,961,000 | 110,768,000 | 122,747,000 | 128,306,000 |
| Noninterest-bearing deposits | 18,586,000 | 19,819,000 | 20,737,000 | 21,978,000 |
| Equity capital | 10,955,000 | 11,326,000 | 11,684,000 | 13,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,696,000 | 3,392,000 | 5,154,000 | 6,911,000 |
| Interest expense | 474,000 | 936,000 | 1,394,000 | 1,818,000 |
| Net interest income | 1,222,000 | 2,456,000 | 3,760,000 | 5,093,000 |
| Noninterest income | 62,000 | 139,000 | 227,000 | 358,000 |
| Noninterest expense | 816,000 | 1,664,000 | 2,540,000 | 3,409,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 290,000 |
| Pretax income | 408,000 | 828,000 | 1,284,000 | 1,769,000 |
| Income tax | 86,000 | 189,000 | 306,000 | 430,000 |
| Net income | 322,000 | 639,000 | 978,000 | 1,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,889,000 | 11,206,000 | 11,545,000 | 13,385,000 |
| Total capital | 11,932,000 | 12,281,000 | 12,618,000 | 14,560,000 |
| Risk-weighted assets | 97,253,000 | 98,956,000 | 105,437,000 | 112,693,000 |