Call reports 2019
BANK OF HAYS — 2019
What BANK OF HAYS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 258,156,000 | 261,630,000 | 254,062,000 | 259,468,000 |
| Total loans | 176,029,000 | 177,074,000 | 169,283,000 | 167,724,000 |
| Allowance for loan losses | 2,259,000 | 2,473,000 | 2,654,000 | 1,449,000 |
| Securities available for sale | 67,078,000 | 68,946,000 | 67,706,000 | 73,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,702,000 | 220,203,000 | 217,448,000 | 229,487,000 |
| Interest-bearing deposits | 177,019,000 | 175,528,000 | 171,435,000 | 175,134,000 |
| Noninterest-bearing deposits | 45,683,000 | 44,675,000 | 46,013,000 | 54,353,000 |
| Equity capital | 26,309,000 | 27,509,000 | 28,193,000 | 28,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,473,000 | 5,072,000 | 7,755,000 | 10,324,000 |
| Interest expense | 438,000 | 953,000 | 1,492,000 | 1,962,000 |
| Net interest income | 2,035,000 | 4,119,000 | 6,263,000 | 8,362,000 |
| Noninterest income | 144,000 | 291,000 | 444,000 | 592,000 |
| Noninterest expense | 1,285,000 | 2,489,000 | 3,694,000 | 4,942,000 |
| Provision for loan losses | 90,000 | 280,000 | 460,000 | 780,000 |
| Pretax income | 868,000 | 1,705,000 | 2,617,000 | 3,296,000 |
| Income tax | 165,000 | 329,000 | 510,000 | 604,000 |
| Net income | 703,000 | 1,376,000 | 2,107,000 | 2,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,211,000 | 26,884,000 | 27,615,000 | 28,200,000 |
| Total capital | 28,470,000 | 29,175,000 | 29,869,000 | 29,649,000 |
| Risk-weighted assets | 182,619,000 | 183,100,000 | 179,910,000 | 177,423,000 |