Call reports 2012
BANK OF HAYS — 2012
What BANK OF HAYS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 196,084,000 | 203,569,000 | 212,824,000 | 243,908,000 |
| Total loans | 103,058,000 | 108,854,000 | 109,828,000 | 122,283,000 |
| Allowance for loan losses | 1,430,000 | 1,488,000 | 1,549,000 | 1,460,000 |
| Securities available for sale | 61,772,000 | 61,482,000 | 65,948,000 | 75,613,000 |
| Securities held to maturity | 22,712,000 | 24,768,000 | 24,732,000 | 27,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,695,000 | 176,657,000 | 185,304,000 | 200,050,000 |
| Interest-bearing deposits | 130,008,000 | 141,432,000 | 148,630,000 | 153,658,000 |
| Noninterest-bearing deposits | 37,687,000 | 35,225,000 | 36,674,000 | 46,392,000 |
| Equity capital | 15,981,000 | 16,441,000 | 17,038,000 | 18,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,856,000 | 3,755,000 | 5,672,000 | 7,563,000 |
| Interest expense | 312,000 | 596,000 | 869,000 | 1,132,000 |
| Net interest income | 1,544,000 | 3,159,000 | 4,803,000 | 6,431,000 |
| Noninterest income | 95,000 | 196,000 | 289,000 | 550,000 |
| Noninterest expense | 937,000 | 1,864,000 | 2,796,000 | 3,798,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 642,000 | 1,389,000 | 2,138,000 | 2,965,000 |
| Income tax | 128,000 | 351,000 | 575,000 | 774,000 |
| Net income | 514,000 | 1,038,000 | 1,563,000 | 2,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,896,000 | 15,419,000 | 15,944,000 | 18,000,000 |
| Total capital | 16,326,000 | 16,907,000 | 17,493,000 | 19,460,000 |
| Risk-weighted assets | 115,084,000 | 121,146,000 | 125,731,000 | 140,945,000 |