Call reports 2003

HOUGHTON STATE BANK — 2003

Name: HOUGHTON STATE BANK — FFIEC call report 2003
Creator: HOUGHTON STATE BANK

What HOUGHTON STATE BANK reported to the FFIEC in 2003, quarter by quarter.

PERIOD: 2003SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/cb60b27f-279b-431b-81a0-6ed18f1e2d79/2003

Balance sheet

What the bank holds and owes at quarter end

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Total assets	118,493,000	118,654,000	114,300,000	117,802,000
Total loans	80,072,000	80,376,000	80,003,000	78,879,000
Allowance for loan losses	971,000	719,000	781,000	778,000
Securities available for sale	0	0	0	0
Securities held to maturity	13,582,000	17,775,000	14,568,000	17,265,000
Trading assets	0	0	0	0
Total deposits	95,729,000	94,539,000	89,685,000	91,555,000
Interest-bearing deposits	83,535,000	82,161,000	78,960,000	77,994,000
Noninterest-bearing deposits	12,194,000	12,378,000	10,725,000	13,561,000
Equity capital	14,191,000	13,837,000	14,208,000	14,086,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Interest income	1,601,000	3,144,000	4,675,000	6,113,000
Interest expense	527,000	1,026,000	1,446,000	1,818,000
Net interest income	1,074,000	2,118,000	3,229,000	4,295,000
Noninterest income	155,000	330,000	544,000	741,000
Noninterest expense	673,000	1,336,000	2,002,000	2,658,000
Provision for loan losses	30,000	64,000	158,000	188,000
Pretax income	526,000	1,048,000	1,613,000	2,190,000
Income tax	182,000	359,000	553,000	752,000
Net income	344,000	689,000	1,060,000	1,438,000

Basel measures — not reported for every quarter

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Tier 1 capital	9,166,000	8,812,000	9,183,000	9,061,000
Total capital	10,137,000	9,531,000	9,964,000	9,839,000
Risk-weighted assets	83,430,000	82,973,000	81,995,000	82,626,000