Call reports 2009
HOUGHTON STATE BANK — 2009
What HOUGHTON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 137,157,000 | 133,823,000 | 132,939,000 | 137,082,000 |
| Total loans | 97,163,000 | 98,251,000 | 98,695,000 | 103,761,000 |
| Allowance for loan losses | 1,060,000 | 1,033,000 | 1,070,000 | 1,135,000 |
| Securities available for sale | 4,961,000 | 9,922,000 | 9,749,000 | 9,459,000 |
| Securities held to maturity | 14,914,000 | 13,253,000 | 13,102,000 | 10,896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,034,000 | 109,274,000 | 108,269,000 | 108,943,000 |
| Interest-bearing deposits | 97,194,000 | 94,363,000 | 93,748,000 | 89,512,000 |
| Noninterest-bearing deposits | 14,840,000 | 14,911,000 | 14,521,000 | 19,431,000 |
| Equity capital | 15,693,000 | 15,461,000 | 15,414,000 | 15,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,699,000 | 3,410,000 | 5,146,000 | 6,909,000 |
| Interest expense | 489,000 | 913,000 | 1,268,000 | 1,568,000 |
| Net interest income | 1,210,000 | 2,497,000 | 3,878,000 | 5,341,000 |
| Noninterest income | 165,000 | 326,000 | 496,000 | 729,000 |
| Noninterest expense | 747,000 | 1,536,000 | 2,200,000 | 3,007,000 |
| Provision for loan losses | 41,000 | 102,000 | 233,000 | 411,000 |
| Pretax income | 587,000 | 1,199,000 | 1,955,000 | 2,655,000 |
| Income tax | 210,000 | 430,000 | 709,000 | 968,000 |
| Net income | 377,000 | 769,000 | 1,246,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,624,000 | 10,410,000 | 10,279,000 | 10,109,000 |
| Total capital | 11,684,000 | 11,443,000 | 11,349,000 | 11,244,000 |
| Risk-weighted assets | 100,890,000 | 100,907,000 | 101,391,000 | 106,523,000 |