Call reports 2005
HAPPY STATE BANK — 2005
What HAPPY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 348,449,000 | 371,379,000 | 416,085,000 | 430,686,000 |
| Total loans | 223,560,000 | 237,990,000 | 264,354,000 | 273,593,000 |
| Allowance for loan losses | 2,591,000 | 2,645,000 | 2,754,000 | 2,874,000 |
| Securities available for sale | 68,465,000 | 82,182,000 | 97,633,000 | 94,031,000 |
| Securities held to maturity | 2,535,000 | 2,535,000 | 2,535,000 | 2,535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,591,000 | 309,026,000 | 348,708,000 | 371,185,000 |
| Interest-bearing deposits | 243,733,000 | 241,743,000 | 277,071,000 | 288,576,000 |
| Noninterest-bearing deposits | 60,858,000 | 67,283,000 | 71,637,000 | 82,609,000 |
| Equity capital | 30,752,000 | 31,718,000 | 32,318,000 | 32,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,371,000 | 9,233,000 | 14,875,000 | 20,937,000 |
| Interest expense | 992,000 | 2,267,000 | 3,971,000 | 5,959,000 |
| Net interest income | 3,379,000 | 6,966,000 | 10,904,000 | 14,978,000 |
| Noninterest income | 1,387,000 | 2,868,000 | 4,528,000 | 6,612,000 |
| Noninterest expense | 4,117,000 | 8,178,000 | 12,327,000 | 16,425,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 450,000 |
| Pretax income | 574,000 | 1,506,000 | 2,805,000 | 4,715,000 |
| Income tax | 169,000 | 475,000 | 887,000 | 1,540,000 |
| Net income | 405,000 | 1,031,000 | 1,918,000 | 3,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,888,000 | 24,599,000 | 25,487,000 | 26,784,000 |
| Total capital | 26,479,000 | 27,244,000 | 28,241,000 | 29,658,000 |
| Risk-weighted assets | 244,207,000 | 261,860,000 | 289,949,000 | 305,013,000 |
Machine access — free, no API key
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