Call reports 2002
HOUGHTON STATE BANK — 2002
What HOUGHTON STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 116,050,000 | 113,361,000 | 111,976,000 | 116,983,000 |
| Total loans | 84,540,000 | 81,844,000 | 84,775,000 | 86,886,000 |
| Allowance for loan losses | 854,000 | 891,000 | 948,000 | 979,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,757,000 | 15,503,000 | 14,738,000 | 13,854,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,244,000 | 94,425,000 | 91,052,000 | 94,778,000 |
| Interest-bearing deposits | 85,265,000 | 82,573,000 | 80,178,000 | 81,675,000 |
| Noninterest-bearing deposits | 11,979,000 | 11,852,000 | 10,874,000 | 13,103,000 |
| Equity capital | 13,952,000 | 14,348,000 | 13,974,000 | 13,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,787,000 | 3,582,000 | 5,351,000 | 7,076,000 |
| Interest expense | 654,000 | 1,276,000 | 1,853,000 | 2,423,000 |
| Net interest income | 1,133,000 | 2,306,000 | 3,498,000 | 4,653,000 |
| Noninterest income | 145,000 | 300,000 | 473,000 | 646,000 |
| Noninterest expense | 682,000 | 1,336,000 | 2,004,000 | 2,645,000 |
| Provision for loan losses | 107,000 | 177,000 | 268,000 | 376,000 |
| Pretax income | 489,000 | 1,093,000 | 1,699,000 | 2,278,000 |
| Income tax | 165,000 | 373,000 | 584,000 | 784,000 |
| Net income | 324,000 | 720,000 | 1,115,000 | 1,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,923,000 | 9,321,000 | 8,948,000 | 8,822,000 |
| Total capital | 9,777,000 | 10,212,000 | 9,896,000 | 9,801,000 |
| Risk-weighted assets | 84,517,000 | 82,257,000 | 85,150,000 | 88,134,000 |