Call reports 2017
BANK OF HAYS — 2017
What BANK OF HAYS reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 264,981,000 | 266,938,000 | 260,491,000 | 257,405,000 |
| Total loans | 176,739,000 | 180,009,000 | 178,934,000 | 174,535,000 |
| Allowance for loan losses | 2,860,000 | 2,947,000 | 3,036,000 | 2,017,000 |
| Securities available for sale | 79,019,000 | 75,790,000 | 71,984,000 | 71,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,593,000 | 222,573,000 | 216,921,000 | 216,786,000 |
| Interest-bearing deposits | 177,626,000 | 179,992,000 | 175,639,000 | 173,624,000 |
| Noninterest-bearing deposits | 41,967,000 | 42,581,000 | 41,282,000 | 43,162,000 |
| Equity capital | 23,487,000 | 24,489,000 | 25,119,000 | 25,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,411,000 | 4,908,000 | 7,450,000 | 9,967,000 |
| Interest expense | 268,000 | 552,000 | 846,000 | 1,120,000 |
| Net interest income | 2,143,000 | 4,356,000 | 6,604,000 | 8,847,000 |
| Noninterest income | 176,000 | 304,000 | 436,000 | 578,000 |
| Noninterest expense | 1,245,000 | 2,440,000 | 3,632,000 | 4,898,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 986,000 | 2,042,000 | 3,140,000 | 4,169,000 |
| Income tax | 258,000 | 585,000 | 927,000 | 1,363,000 |
| Net income | 728,000 | 1,457,000 | 2,213,000 | 2,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,388,000 | 24,118,000 | 24,874,000 | 25,466,000 |
| Total capital | 25,571,000 | 26,247,000 | 26,996,000 | 27,483,000 |
| Risk-weighted assets | 173,958,000 | 169,523,000 | 168,818,000 | 166,522,000 |