Call reports 2015
HAPPY STATE BANK — 2015
What HAPPY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,627,574,000 | 2,651,075,000 | 2,758,617,000 | 2,849,770,000 |
| Total loans | 1,926,169,000 | 1,965,590,000 | 2,051,612,000 | 2,093,015,000 |
| Allowance for loan losses | 27,166,000 | 27,497,000 | 27,575,000 | 26,900,000 |
| Securities available for sale | 292,336,000 | 311,184,000 | 322,030,000 | 357,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,310,863,000 | 2,226,279,000 | 2,301,717,000 | 2,393,784,000 |
| Interest-bearing deposits | 1,748,874,000 | 1,652,448,000 | 1,660,997,000 | 1,723,063,000 |
| Noninterest-bearing deposits | 561,989,000 | 573,831,000 | 640,720,000 | 670,721,000 |
| Equity capital | 263,099,000 | 267,240,000 | 339,100,000 | 347,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 24,375,000 | 49,287,000 | 75,672,000 | 102,528,000 |
| Interest expense | 1,328,000 | 2,718,000 | 4,128,000 | 5,581,000 |
| Net interest income | 23,047,000 | 46,569,000 | 71,544,000 | 96,947,000 |
| Noninterest income | 7,460,000 | 14,591,000 | 21,649,000 | 28,323,000 |
| Noninterest expense | 21,044,000 | 41,605,000 | 63,599,000 | 84,643,000 |
| Provision for loan losses | 1,800,000 | 2,800,000 | 3,400,000 | 3,650,000 |
| Pretax income | 7,945,000 | 17,067,000 | 26,512,000 | 37,295,000 |
| Income tax | 2,037,000 | 4,337,000 | 7,045,000 | 10,214,000 |
| Net income | 5,908,000 | 12,730,000 | 19,467,000 | 27,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 218,190,000 | 225,222,000 | 294,470,000 | 299,332,000 |
| Total capital | 245,858,000 | 253,378,000 | 322,787,000 | 326,779,000 |
| Risk-weighted assets | 2,213,401,000 | 2,284,341,000 | 2,353,831,000 | 2,382,163,000 |
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