Call reports 2016
BANK OF HAYS — 2016
What BANK OF HAYS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 258,363,000 | 266,416,000 | 264,169,000 | 263,394,000 |
| Total loans | 157,999,000 | 169,278,000 | 171,566,000 | 173,243,000 |
| Allowance for loan losses | 2,149,000 | 2,239,000 | 2,329,000 | 2,770,000 |
| Securities available for sale | 60,951,000 | 57,023,000 | 55,704,000 | 80,239,000 |
| Securities held to maturity | 28,863,000 | 28,613,000 | 26,417,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,497,000 | 197,960,000 | 202,174,000 | 211,045,000 |
| Interest-bearing deposits | 157,261,000 | 156,977,000 | 163,033,000 | 169,516,000 |
| Noninterest-bearing deposits | 41,236,000 | 40,983,000 | 39,141,000 | 41,529,000 |
| Equity capital | 22,325,000 | 23,329,000 | 23,864,000 | 23,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,322,000 | 4,639,000 | 7,064,000 | 9,495,000 |
| Interest expense | 214,000 | 447,000 | 693,000 | 942,000 |
| Net interest income | 2,108,000 | 4,192,000 | 6,371,000 | 8,553,000 |
| Noninterest income | 153,000 | 302,000 | 448,000 | 573,000 |
| Noninterest expense | 1,230,000 | 2,432,000 | 3,621,000 | 4,771,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 720,000 |
| Pretax income | 990,000 | 1,940,000 | 3,012,000 | 3,719,000 |
| Income tax | 272,000 | 556,000 | 886,000 | 1,022,000 |
| Net income | 718,000 | 1,384,000 | 2,126,000 | 2,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,852,000 | 22,518,000 | 23,259,000 | 23,831,000 |
| Total capital | 23,906,000 | 24,634,000 | 25,385,000 | 25,993,000 |
| Risk-weighted assets | 164,263,000 | 169,148,000 | 169,893,000 | 172,362,000 |