Call reports 2010
HOUGHTON STATE BANK — 2010
What HOUGHTON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 135,595,000 | 135,643,000 | 137,111,000 | 144,377,000 |
| Total loans | 97,608,000 | 100,963,000 | 103,035,000 | 107,529,000 |
| Allowance for loan losses | 1,106,000 | 1,080,000 | 1,156,000 | 1,319,000 |
| Securities available for sale | 14,278,000 | 13,774,000 | 13,302,000 | 14,477,000 |
| Securities held to maturity | 9,917,000 | 6,660,000 | 3,916,000 | 1,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,792,000 | 119,812,000 | 119,432,000 | 127,657,000 |
| Interest-bearing deposits | 98,369,000 | 97,772,000 | 98,055,000 | 101,918,000 |
| Noninterest-bearing deposits | 21,423,000 | 22,040,000 | 21,377,000 | 25,739,000 |
| Equity capital | 15,331,000 | 15,438,000 | 15,595,000 | 16,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,565,000 | 3,203,000 | 4,845,000 | 6,474,000 |
| Interest expense | 268,000 | 524,000 | 755,000 | 954,000 |
| Net interest income | 1,297,000 | 2,679,000 | 4,090,000 | 5,520,000 |
| Noninterest income | 157,000 | 347,000 | 561,000 | 853,000 |
| Noninterest expense | 746,000 | 1,459,000 | 2,233,000 | 3,022,000 |
| Provision for loan losses | 0 | 0 | 74,000 | 274,000 |
| Pretax income | 723,000 | 1,582,000 | 2,359,000 | 3,114,000 |
| Income tax | 267,000 | 584,000 | 869,000 | 1,145,000 |
| Net income | 456,000 | 998,000 | 1,490,000 | 1,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,215,000 | 10,320,000 | 10,376,000 | 10,855,000 |
| Total capital | 11,321,000 | 11,400,000 | 11,532,000 | 12,174,000 |
| Risk-weighted assets | 100,587,000 | 103,265,000 | 105,659,000 | 110,391,000 |