Call reports 2006
HAPPY STATE BANK — 2006
What HAPPY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 449,238,000 | 460,837,000 | 494,080,000 | 525,855,000 |
| Total loans | 283,358,000 | 309,194,000 | 343,094,000 | 341,989,000 |
| Allowance for loan losses | 3,010,000 | 3,155,000 | 3,264,000 | 3,433,000 |
| Securities available for sale | 99,457,000 | 97,495,000 | 95,868,000 | 121,616,000 |
| Securities held to maturity | 2,495,000 | 2,495,000 | 2,495,000 | 2,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,104,000 | 370,513,000 | 378,610,000 | 437,482,000 |
| Interest-bearing deposits | 291,504,000 | 285,385,000 | 289,137,000 | 338,724,000 |
| Noninterest-bearing deposits | 84,600,000 | 85,128,000 | 89,473,000 | 98,758,000 |
| Equity capital | 40,187,000 | 40,848,000 | 43,603,000 | 45,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,535,000 | 13,749,000 | 22,124,000 | 30,620,000 |
| Interest expense | 2,224,000 | 4,901,000 | 8,110,000 | 11,448,000 |
| Net interest income | 4,311,000 | 8,848,000 | 14,014,000 | 19,172,000 |
| Noninterest income | 1,815,000 | 3,795,000 | 5,947,000 | 7,848,000 |
| Noninterest expense | 4,366,000 | 8,853,000 | 13,467,000 | 18,304,000 |
| Provision for loan losses | 150,000 | 300,000 | 500,000 | 700,000 |
| Pretax income | 1,610,000 | 3,328,000 | 5,644,000 | 7,665,000 |
| Income tax | 545,000 | 1,090,000 | 1,832,000 | 2,405,000 |
| Net income | 1,065,000 | 2,238,000 | 3,812,000 | 5,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,388,000 | 35,600,000 | 37,214,000 | 35,653,000 |
| Total capital | 37,398,000 | 38,755,000 | 40,478,000 | 39,086,000 |
| Risk-weighted assets | 311,481,000 | 343,424,000 | 372,617,000 | 384,199,000 |