Call reports 2014
BANK OF HAYS — 2014
What BANK OF HAYS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 249,991,000 | 254,527,000 | 260,332,000 | 275,672,000 |
| Total loans | 129,572,000 | 134,217,000 | 140,005,000 | 145,885,000 |
| Allowance for loan losses | 1,727,000 | 1,826,000 | 1,906,000 | 1,997,000 |
| Securities available for sale | 72,071,000 | 77,155,000 | 78,010,000 | 86,748,000 |
| Securities held to maturity | 28,660,000 | 30,262,000 | 30,559,000 | 30,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,789,000 | 220,628,000 | 229,261,000 | 228,247,000 |
| Interest-bearing deposits | 171,210,000 | 170,049,000 | 176,839,000 | 177,577,000 |
| Noninterest-bearing deposits | 49,579,000 | 50,579,000 | 52,422,000 | 50,670,000 |
| Equity capital | 19,571,000 | 20,203,000 | 20,718,000 | 20,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,021,000 | 4,092,000 | 6,307,000 | 8,525,000 |
| Interest expense | 223,000 | 451,000 | 682,000 | 917,000 |
| Net interest income | 1,798,000 | 3,641,000 | 5,625,000 | 7,608,000 |
| Noninterest income | 116,000 | 234,000 | 358,000 | 473,000 |
| Noninterest expense | 1,096,000 | 2,165,000 | 3,253,000 | 4,372,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 728,000 | 1,554,000 | 2,484,000 | 3,373,000 |
| Income tax | 169,000 | 412,000 | 692,000 | 953,000 |
| Net income | 559,000 | 1,142,000 | 1,792,000 | 2,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,243,000 | 19,825,000 | 20,475,000 | 20,604,000 |
| Total capital | 20,970,000 | 21,587,000 | 22,308,000 | 22,509,000 |
| Risk-weighted assets | 138,801,000 | 140,866,000 | 146,573,000 | 152,300,000 |