Call reports 2008
HOUGHTON STATE BANK — 2008
What HOUGHTON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 131,153,000 | 131,897,000 | 134,602,000 | 136,970,000 |
| Total loans | 99,699,000 | 99,894,000 | 103,139,000 | 104,952,000 |
| Allowance for loan losses | 1,003,000 | 1,026,000 | 1,021,000 | 1,093,000 |
| Securities available for sale | 0 | 0 | 3,400,000 | 3,245,000 |
| Securities held to maturity | 14,519,000 | 15,943,000 | 16,851,000 | 14,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,120,000 | 106,775,000 | 105,648,000 | 110,514,000 |
| Interest-bearing deposits | 95,093,000 | 94,132,000 | 92,332,000 | 95,309,000 |
| Noninterest-bearing deposits | 12,027,000 | 12,643,000 | 13,316,000 | 15,205,000 |
| Equity capital | 14,697,000 | 14,761,000 | 15,202,000 | 15,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,899,000 | 3,711,000 | 5,550,000 | 7,405,000 |
| Interest expense | 784,000 | 1,442,000 | 2,069,000 | 2,640,000 |
| Net interest income | 1,115,000 | 2,269,000 | 3,481,000 | 4,765,000 |
| Noninterest income | 150,000 | 338,000 | 540,000 | 712,000 |
| Noninterest expense | 713,000 | 1,414,000 | 2,111,000 | 2,849,000 |
| Provision for loan losses | 47,000 | 109,000 | 166,000 | 292,000 |
| Pretax income | 505,000 | 1,084,000 | 1,744,000 | 2,336,000 |
| Income tax | 181,000 | 390,000 | 630,000 | 826,000 |
| Net income | 324,000 | 694,000 | 1,114,000 | 1,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,672,000 | 9,736,000 | 10,156,000 | 10,247,000 |
| Total capital | 10,675,000 | 10,762,000 | 11,177,000 | 11,340,000 |
| Risk-weighted assets | 102,270,000 | 102,781,000 | 106,208,000 | 107,816,000 |