Call reports 2025
HAPPEN BANK, NATIONAL ASSOCIATION — 2025
What HAPPEN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 10,343,576,000 | 10,661,441,000 | 10,967,271,000 | 11,472,011,000 |
| Total loans | 5,734,545,000 | 6,024,104,000 | 6,052,937,000 | 6,507,509,000 |
| Allowance for loan losses | 244,193,000 | 252,989,000 | 267,774,000 | 275,743,000 |
| Securities available for sale | 3,426,571,000 | 3,527,142,000 | 3,737,297,000 | 3,696,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,018,229,000 | 9,258,380,000 | 9,518,173,000 | 9,948,426,000 |
| Interest-bearing deposits | 8,540,068,000 | 8,785,727,000 | 9,041,412,000 | 9,459,483,000 |
| Noninterest-bearing deposits | 478,161,000 | 472,653,000 | 476,761,000 | 488,943,000 |
| Equity capital | 1,150,642,000 | 1,204,588,000 | 1,254,986,000 | 1,305,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 231,755,000 | 468,713,000 | 710,329,000 | 960,714,000 |
| Interest expense | 82,102,000 | 164,950,000 | 248,312,000 | 335,871,000 |
| Net interest income | 149,653,000 | 303,763,000 | 462,017,000 | 624,843,000 |
| Noninterest income | 65,151,000 | 152,670,000 | 256,111,000 | 355,980,000 |
| Noninterest expense | 139,749,000 | 290,682,000 | 450,048,000 | 616,351,000 |
| Provision for loan losses | 56,382,000 | 96,978,000 | 142,885,000 | 190,928,000 |
| Pretax income | 16,906,000 | 67,869,000 | 123,918,000 | 173,152,000 |
| Income tax | 4,872,000 | 18,406,000 | 31,073,000 | 41,502,000 |
| Net income | 12,034,000 | 49,463,000 | 92,845,000 | 131,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,060,486,000 | 1,112,136,000 | 1,136,334,000 | 1,183,941,000 |
| Total capital | 1,146,941,000 | 1,203,934,000 | 1,228,263,000 | 1,281,827,000 |
| Risk-weighted assets | 6,757,019,000 | 7,181,022,000 | 7,176,620,000 | 7,652,038,000 |