Call reports 2004
HOUGHTON STATE BANK — 2004
What HOUGHTON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 115,851,000 | 118,073,000 | 113,957,000 | 116,449,000 |
| Total loans | 82,201,000 | 86,015,000 | 84,335,000 | 82,235,000 |
| Allowance for loan losses | 781,000 | 786,000 | 786,000 | 836,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,730,000 | 20,607,000 | 17,906,000 | 17,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,007,000 | 91,851,000 | 87,500,000 | 92,466,000 |
| Interest-bearing deposits | 79,348,000 | 79,185,000 | 75,713,000 | 78,592,000 |
| Noninterest-bearing deposits | 12,659,000 | 12,666,000 | 11,787,000 | 13,874,000 |
| Equity capital | 13,927,000 | 13,830,000 | 14,229,000 | 14,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,422,000 | 2,858,000 | 4,323,000 | 5,804,000 |
| Interest expense | 346,000 | 680,000 | 1,009,000 | 1,359,000 |
| Net interest income | 1,076,000 | 2,178,000 | 3,314,000 | 4,445,000 |
| Noninterest income | 186,000 | 383,000 | 565,000 | 747,000 |
| Noninterest expense | 705,000 | 1,351,000 | 2,023,000 | 2,726,000 |
| Provision for loan losses | 38,000 | 77,000 | 111,000 | 192,000 |
| Pretax income | 519,000 | 1,133,000 | 1,745,000 | 2,274,000 |
| Income tax | 178,000 | 389,000 | 602,000 | 782,000 |
| Net income | 341,000 | 744,000 | 1,143,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,902,000 | 8,805,000 | 9,204,000 | 9,352,000 |
| Total capital | 9,683,000 | 9,591,000 | 9,990,000 | 10,188,000 |
| Risk-weighted assets | 84,966,000 | 88,617,000 | 86,875,000 | 85,907,000 |