Call reports 2001
HOUGHTON STATE BANK — 2001
What HOUGHTON STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 111,482,000 | 108,670,000 | 112,429,000 | 117,229,000 |
| Total loans | 82,785,000 | 84,452,000 | 82,406,000 | 84,351,000 |
| Allowance for loan losses | 832,000 | 851,000 | 827,000 | 837,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,240,000 | 11,739,000 | 12,418,000 | 16,685,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,679,000 | 89,539,000 | 93,606,000 | 97,878,000 |
| Interest-bearing deposits | 81,488,000 | 78,780,000 | 83,033,000 | 84,971,000 |
| Noninterest-bearing deposits | 10,191,000 | 10,759,000 | 10,573,000 | 12,907,000 |
| Equity capital | 13,865,000 | 14,106,000 | 13,352,000 | 13,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,069,000 | 4,058,000 | 6,015,000 | 7,890,000 |
| Interest expense | 1,034,000 | 1,942,000 | 2,783,000 | 3,526,000 |
| Net interest income | 1,035,000 | 2,116,000 | 3,232,000 | 4,364,000 |
| Noninterest income | 162,000 | 313,000 | 482,000 | 649,000 |
| Noninterest expense | 835,000 | 1,630,000 | 2,452,000 | 3,227,000 |
| Provision for loan losses | 84,000 | 134,000 | 166,000 | 211,000 |
| Pretax income | 278,000 | 704,000 | 1,135,000 | 1,614,000 |
| Income tax | 124,000 | 309,000 | 494,000 | 697,000 |
| Net income | 154,000 | 395,000 | 641,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,479,000 | 8,838,000 | 8,203,000 | 8,598,000 |
| Total capital | 9,311,000 | 9,689,000 | 9,030,000 | 9,435,000 |
| Risk-weighted assets | 82,459,000 | 82,732,000 | 82,687,000 | 85,834,000 |