Call reports 2020
BANK OF HAYS — 2020
What BANK OF HAYS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 260,633,000 | 301,060,000 | 312,573,000 | 307,739,000 |
| Total loans | 160,330,000 | 193,003,000 | 200,767,000 | 190,142,000 |
| Allowance for loan losses | 1,629,000 | 1,822,000 | 2,162,000 | 2,646,000 |
| Securities available for sale | 78,928,000 | 84,174,000 | 95,398,000 | 97,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,355,000 | 257,227,000 | 258,646,000 | 262,224,000 |
| Interest-bearing deposits | 173,121,000 | 183,616,000 | 195,905,000 | 192,247,000 |
| Noninterest-bearing deposits | 54,234,000 | 73,611,000 | 62,741,000 | 69,977,000 |
| Equity capital | 27,741,000 | 29,192,000 | 30,269,000 | 31,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,686,000 | 5,192,000 | 8,352,000 | 11,249,000 |
| Interest expense | 424,000 | 796,000 | 1,121,000 | 1,412,000 |
| Net interest income | 2,262,000 | 4,396,000 | 7,231,000 | 9,837,000 |
| Noninterest income | 152,000 | 331,000 | 533,000 | 732,000 |
| Noninterest expense | 1,315,000 | 2,729,000 | 3,924,000 | 5,221,000 |
| Provision for loan losses | 180,000 | 360,000 | 702,000 | 1,192,000 |
| Pretax income | 971,000 | 1,690,000 | 3,190,000 | 4,207,000 |
| Income tax | 185,000 | 259,000 | 667,000 | 891,000 |
| Net income | 786,000 | 1,431,000 | 2,523,000 | 3,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,036,000 | 27,681,000 | 28,773,000 | 29,566,000 |