Call reports 2006
HOUGHTON STATE BANK — 2006
What HOUGHTON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 128,749,000 | 124,191,000 | 125,583,000 | 126,700,000 |
| Total loans | 92,252,000 | 92,810,000 | 93,564,000 | 92,502,000 |
| Allowance for loan losses | 965,000 | 966,000 | 947,000 | 956,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,804,000 | 20,234,000 | 19,845,000 | 18,656,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,260,000 | 100,104,000 | 97,392,000 | 102,686,000 |
| Interest-bearing deposits | 92,534,000 | 89,518,000 | 88,162,000 | 89,142,000 |
| Noninterest-bearing deposits | 12,726,000 | 10,586,000 | 9,230,000 | 13,544,000 |
| Equity capital | 14,342,000 | 14,709,000 | 15,056,000 | 14,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,758,000 | 3,623,000 | 5,539,000 | 7,485,000 |
| Interest expense | 695,000 | 1,447,000 | 2,255,000 | 3,104,000 |
| Net interest income | 1,063,000 | 2,176,000 | 3,284,000 | 4,381,000 |
| Noninterest income | 159,000 | 320,000 | 471,000 | 620,000 |
| Noninterest expense | 705,000 | 1,389,000 | 2,088,000 | 2,774,000 |
| Provision for loan losses | 25,000 | 47,000 | 68,000 | 100,000 |
| Pretax income | 492,000 | 1,060,000 | 1,599,000 | 2,127,000 |
| Income tax | 171,000 | 372,000 | 564,000 | 752,000 |
| Net income | 321,000 | 688,000 | 1,035,000 | 1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,317,000 | 9,684,000 | 10,031,000 | 9,760,000 |
| Total capital | 10,282,000 | 10,650,000 | 10,978,000 | 10,716,000 |
| Risk-weighted assets | 95,992,000 | 95,234,000 | 96,577,000 | 95,607,000 |