Call reports 2011
BANK OF HAYS — 2011
What BANK OF HAYS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 185,143,000 | 183,912,000 | 193,586,000 | 191,057,000 |
| Total loans | 102,612,000 | 102,165,000 | 104,837,000 | 104,292,000 |
| Allowance for loan losses | 1,236,000 | 1,297,000 | 1,356,000 | 1,419,000 |
| Securities available for sale | 51,662,000 | 50,335,000 | 53,650,000 | 55,695,000 |
| Securities held to maturity | 23,069,000 | 23,034,000 | 22,360,000 | 22,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,638,000 | 153,959,000 | 165,635,000 | 159,059,000 |
| Interest-bearing deposits | 130,779,000 | 126,468,000 | 133,405,000 | 132,557,000 |
| Noninterest-bearing deposits | 24,859,000 | 27,491,000 | 32,230,000 | 26,502,000 |
| Equity capital | 13,622,000 | 14,354,000 | 14,857,000 | 14,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,813,000 | 3,707,000 | 5,575,000 | 7,431,000 |
| Interest expense | 399,000 | 786,000 | 1,156,000 | 1,486,000 |
| Net interest income | 1,414,000 | 2,921,000 | 4,419,000 | 5,945,000 |
| Noninterest income | 75,000 | 165,000 | 255,000 | 345,000 |
| Noninterest expense | 929,000 | 1,827,000 | 2,686,000 | 3,577,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 500,000 | 1,136,000 | 1,839,000 | 2,504,000 |
| Income tax | 94,000 | 276,000 | 482,000 | 669,000 |
| Net income | 406,000 | 860,000 | 1,357,000 | 1,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,557,000 | 14,011,000 | 14,508,000 | 14,687,000 |
| Total capital | 14,793,000 | 15,308,000 | 15,864,000 | 16,106,000 |
| Risk-weighted assets | 113,760,000 | 111,721,000 | 115,171,000 | 114,533,000 |