Call reports 2013
BANK OF HAYS — 2013
What BANK OF HAYS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 232,104,000 | 232,182,000 | 234,520,000 | 238,051,000 |
| Total loans | 118,798,000 | 123,018,000 | 128,918,000 | 129,455,000 |
| Allowance for loan losses | 1,524,000 | 1,515,000 | 1,579,000 | 1,644,000 |
| Securities available for sale | 71,284,000 | 65,867,000 | 65,302,000 | 66,707,000 |
| Securities held to maturity | 28,274,000 | 29,816,000 | 27,623,000 | 27,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,155,000 | 196,981,000 | 198,747,000 | 208,980,000 |
| Interest-bearing deposits | 152,561,000 | 147,765,000 | 151,488,000 | 74,090,000 |
| Noninterest-bearing deposits | 46,594,000 | 49,216,000 | 47,259,000 | 134,890,000 |
| Equity capital | 18,950,000 | 18,809,000 | 19,787,000 | 19,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,959,000 | 3,912,000 | 5,923,000 | 7,973,000 |
| Interest expense | 256,000 | 498,000 | 732,000 | 962,000 |
| Net interest income | 1,703,000 | 3,414,000 | 5,191,000 | 7,011,000 |
| Noninterest income | 104,000 | 200,000 | 307,000 | 440,000 |
| Noninterest expense | 1,122,000 | 2,171,000 | 3,232,000 | 4,315,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 638,000 | 1,341,000 | 2,111,000 | 2,929,000 |
| Income tax | 97,000 | 277,000 | 498,000 | 738,000 |
| Net income | 541,000 | 1,064,000 | 1,613,000 | 2,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,288,000 | 18,810,000 | 19,361,000 | 18,938,000 |
| Total capital | 19,812,000 | 20,325,000 | 20,940,000 | 20,582,000 |
| Risk-weighted assets | 139,070,000 | 141,051,000 | 136,872,000 | 137,691,000 |