Call reports 2005
HOUGHTON STATE BANK — 2005
What HOUGHTON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 121,033,000 | 125,200,000 | 125,519,000 | 127,622,000 |
| Total loans | 82,260,000 | 87,628,000 | 88,790,000 | 92,591,000 |
| Allowance for loan losses | 837,000 | 842,000 | 858,000 | 902,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,447,000 | 26,177,000 | 24,901,000 | 20,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,170,000 | 100,991,000 | 100,800,000 | 104,549,000 |
| Interest-bearing deposits | 83,369,000 | 87,405,000 | 87,978,000 | 89,193,000 |
| Noninterest-bearing deposits | 13,801,000 | 13,586,000 | 12,822,000 | 15,356,000 |
| Equity capital | 14,445,000 | 14,519,000 | 14,583,000 | 14,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,471,000 | 3,091,000 | 4,784,000 | 6,609,000 |
| Interest expense | 382,000 | 854,000 | 1,420,000 | 2,066,000 |
| Net interest income | 1,089,000 | 2,237,000 | 3,364,000 | 4,543,000 |
| Noninterest income | 156,000 | 320,000 | 495,000 | 621,000 |
| Noninterest expense | 713,000 | 1,409,000 | 2,103,000 | 2,807,000 |
| Provision for loan losses | 29,000 | 62,000 | 103,000 | 177,000 |
| Pretax income | 503,000 | 1,086,000 | 1,653,000 | 2,180,000 |
| Income tax | 173,000 | 377,000 | 574,000 | 757,000 |
| Net income | 330,000 | 709,000 | 1,079,000 | 1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,420,000 | 9,494,000 | 9,558,000 | 9,596,000 |
| Total capital | 10,257,000 | 10,336,000 | 10,416,000 | 10,498,000 |
| Risk-weighted assets | 86,184,000 | 90,980,000 | 92,117,000 | 95,748,000 |