Call reports 2018
BANK OF HAYS — 2018
What BANK OF HAYS reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 259,546,000 | 255,249,000 | 249,244,000 | 256,924,000 |
| Total loans | 175,458,000 | 172,848,000 | 171,032,000 | 176,148,000 |
| Allowance for loan losses | 2,108,000 | 2,198,000 | 2,296,000 | 2,260,000 |
| Securities available for sale | 71,787,000 | 70,186,000 | 65,797,000 | 64,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,849,000 | 216,615,000 | 212,081,000 | 219,332,000 |
| Interest-bearing deposits | 176,877,000 | 174,389,000 | 163,707,000 | 170,668,000 |
| Noninterest-bearing deposits | 45,972,000 | 42,226,000 | 48,374,000 | 48,664,000 |
| Equity capital | 23,749,000 | 24,961,000 | 25,645,000 | 26,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,485,000 | 5,024,000 | 7,602,000 | 9,940,000 |
| Interest expense | 287,000 | 609,000 | 952,000 | 1,320,000 |
| Net interest income | 2,198,000 | 4,415,000 | 6,650,000 | 8,620,000 |
| Noninterest income | 148,000 | 293,000 | 444,000 | 581,000 |
| Noninterest expense | 1,249,000 | 2,582,000 | 3,816,000 | 5,118,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,007,000 | 2,586,000 | 3,645,000 | 4,360,000 |
| Income tax | 193,000 | 536,000 | 754,000 | 887,000 |
| Net income | 814,000 | 2,050,000 | 2,891,000 | 3,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,408,000 | 25,645,000 | 26,486,000 | 27,067,000 |
| Total capital | 26,516,000 | 27,790,000 | 28,630,000 | 29,214,000 |
| Risk-weighted assets | 172,394,000 | 171,598,000 | 171,403,000 | 171,671,000 |