Call reports 2015
HAPPEN BANK, NATIONAL ASSOCIATION — 2015
What HAPPEN BANK, NATIONAL ASSOCIATION 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 | 722,333,000 | 744,135,000 | 781,079,000 | 777,712,000 |
| Total loans | 607,236,000 | 624,974,000 | 662,015,000 | 641,947,000 |
| Allowance for loan losses | 6,464,000 | 6,770,000 | 7,030,000 | 6,765,000 |
| Securities available for sale | 71,800,000 | 72,627,000 | 70,377,000 | 70,401,000 |
| Securities held to maturity | 20,000 | 19,000 | 18,000 | 17,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,493,000 | 581,932,000 | 587,902,000 | 640,279,000 |
| Interest-bearing deposits | 478,615,000 | 519,062,000 | 520,439,000 | 574,384,000 |
| Noninterest-bearing deposits | 61,878,000 | 62,870,000 | 67,463,000 | 65,894,000 |
| Equity capital | 60,112,000 | 60,653,000 | 62,552,000 | 62,803,000 |
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 | 6,580,000 | 13,156,000 | 20,016,000 | 27,010,000 |
| Interest expense | 952,000 | 1,924,000 | 2,941,000 | 4,128,000 |
| Net interest income | 5,628,000 | 11,232,000 | 17,075,000 | 22,882,000 |
| Noninterest income | 645,000 | 1,220,000 | 1,455,000 | 2,290,000 |
| Noninterest expense | 4,829,000 | 9,604,000 | 14,404,000 | 19,834,000 |
| Provision for loan losses | 350,000 | 690,000 | 1,015,000 | 1,315,000 |
| Pretax income | 1,094,000 | 2,158,000 | 3,111,000 | 4,023,000 |
| Income tax | 359,000 | 539,000 | 833,000 | 1,177,000 |
| Net income | 735,000 | 1,619,000 | 2,278,000 | 2,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,173,000 | 60,057,000 | 61,715,000 | 62,284,000 |
| Total capital | 65,672,000 | 66,862,000 | 68,780,000 | 69,084,000 |
| Risk-weighted assets | 528,475,000 | 554,378,000 | 585,977,000 | 575,649,000 |