Call reports 2015
BANK OF HAYS — 2015
What BANK OF HAYS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 267,924,000 | 263,497,000 | 256,339,000 | 258,494,000 |
| Total loans | 143,970,000 | 147,109,000 | 145,791,000 | 152,016,000 |
| Allowance for loan losses | 2,088,000 | 1,929,000 | 2,015,000 | 2,057,000 |
| Securities available for sale | 82,306,000 | 74,959,000 | 71,040,000 | 66,204,000 |
| Securities held to maturity | 30,298,000 | 29,796,000 | 28,284,000 | 28,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,227,000 | 212,292,000 | 209,534,000 | 204,107,000 |
| Interest-bearing deposits | 166,036,000 | 157,385,000 | 157,582,000 | 157,260,000 |
| Noninterest-bearing deposits | 57,191,000 | 54,907,000 | 51,952,000 | 46,847,000 |
| Equity capital | 21,431,000 | 21,869,000 | 22,793,000 | 22,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,207,000 | 4,432,000 | 6,635,000 | 8,853,000 |
| Interest expense | 227,000 | 428,000 | 624,000 | 818,000 |
| Net interest income | 1,980,000 | 4,004,000 | 6,011,000 | 8,035,000 |
| Noninterest income | 117,000 | 256,000 | 392,000 | 526,000 |
| Noninterest expense | 1,165,000 | 2,305,000 | 3,451,000 | 4,653,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 885,000 | 1,836,000 | 2,750,000 | 3,627,000 |
| Income tax | 227,000 | 513,000 | 787,000 | 1,050,000 |
| Net income | 658,000 | 1,323,000 | 1,963,000 | 2,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,009,000 | 21,673,000 | 22,313,000 | 22,031,000 |
| Total capital | 22,915,000 | 23,567,000 | 24,227,000 | 24,088,000 |
| Risk-weighted assets | 152,344,000 | 151,472,000 | 153,029,000 | 164,535,000 |