Call reports 2025
BANK OF HAYS — 2025
What BANK OF HAYS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 364,560,000 | 358,463,000 | 360,404,000 | 370,175,000 |
| Total loans | 204,202,000 | 208,605,000 | 188,732,000 | 204,063,000 |
| Allowance for loan losses | 2,847,000 | 2,154,000 | 2,184,000 | 2,217,000 |
| Securities available for sale | 127,400,000 | 130,478,000 | 134,782,000 | 145,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,819,000 | 319,270,000 | 319,921,000 | 318,154,000 |
| Interest-bearing deposits | 248,365,000 | 245,061,000 | 249,386,000 | 247,098,000 |
| Noninterest-bearing deposits | 76,454,000 | 74,209,000 | 70,535,000 | 71,056,000 |
| Equity capital | 30,081,000 | 32,033,000 | 34,094,000 | 35,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,319,000 | 8,725,000 | 13,314,000 | 17,779,000 |
| Interest expense | 1,570,000 | 3,140,000 | 4,705,000 | 6,269,000 |
| Net interest income | 2,749,000 | 5,585,000 | 8,609,000 | 11,510,000 |
| Noninterest income | 227,000 | 931,000 | 1,173,000 | 1,524,000 |
| Noninterest expense | 1,614,000 | 3,247,000 | 4,876,000 | 6,655,000 |
| Provision for loan losses | 0 | 520,000 | 550,000 | 580,000 |
| Pretax income | 1,374,000 | 2,335,000 | 3,942,000 | 5,385,000 |
| Income tax | 286,000 | 558,000 | 923,000 | 1,229,000 |
| Net income | 1,088,000 | 1,777,000 | 3,019,000 | 4,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,417,000 | 35,532,000 | 36,774,000 | 37,911,000 |