Call reports 2004
HAPPY STATE BANK — 2004
What HAPPY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 165,056,000 | 267,180,000 | 329,006,000 | 357,154,000 |
| Total loans | 127,042,000 | 197,233,000 | 214,795,000 | 216,060,000 |
| Allowance for loan losses | 1,146,000 | 2,433,000 | 2,460,000 | 2,535,000 |
| Securities available for sale | 17,587,000 | 26,460,000 | 51,815,000 | 59,483,000 |
| Securities held to maturity | 420,000 | 420,000 | 2,640,000 | 2,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,416,000 | 224,953,000 | 266,284,000 | 296,323,000 |
| Interest-bearing deposits | 89,272,000 | 174,807,000 | 166,623,000 | 179,483,000 |
| Noninterest-bearing deposits | 38,144,000 | 50,145,000 | 99,661,000 | 116,840,000 |
| Equity capital | 22,781,000 | 29,371,000 | 30,265,000 | 30,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,097,000 | 5,374,000 | 9,094,000 | 13,202,000 |
| Interest expense | 285,000 | 876,000 | 1,554,000 | 2,317,000 |
| Net interest income | 1,812,000 | 4,498,000 | 7,540,000 | 10,885,000 |
| Noninterest income | 744,000 | 1,753,000 | 2,895,000 | 4,799,000 |
| Noninterest expense | 2,219,000 | 5,264,000 | 8,601,000 | 12,388,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 136,000 | 733,000 | 1,505,000 | 2,892,000 |
| Income tax | 56,000 | 241,000 | 541,000 | 1,028,000 |
| Net income | 80,000 | 492,000 | 964,000 | 1,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,541,000 | 22,805,000 | 22,512,000 | 23,444,000 |
| Total capital | 23,687,000 | 25,238,000 | 24,972,000 | 25,979,000 |
| Risk-weighted assets | 131,741,000 | 206,029,000 | 232,504,000 | 239,524,000 |