Call reports 2011
HOUGHTON STATE BANK — 2011
What HOUGHTON STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 149,561,000 | 146,744,000 | 152,633,000 | 154,742,000 |
| Total loans | 96,347,000 | 103,874,000 | 106,397,000 | 110,430,000 |
| Allowance for loan losses | 1,279,000 | 1,276,000 | 1,277,000 | 1,295,000 |
| Securities available for sale | 13,968,000 | 16,065,000 | 14,850,000 | 13,432,000 |
| Securities held to maturity | 1,037,000 | 946,000 | 872,000 | 791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,047,000 | 130,160,000 | 135,395,000 | 137,631,000 |
| Interest-bearing deposits | 105,621,000 | 103,348,000 | 105,802,000 | 103,826,000 |
| Noninterest-bearing deposits | 27,426,000 | 26,812,000 | 29,593,000 | 33,805,000 |
| Equity capital | 15,983,000 | 16,139,000 | 16,669,000 | 16,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,538,000 | 3,093,000 | 4,674,000 | 6,227,000 |
| Interest expense | 169,000 | 316,000 | 447,000 | 560,000 |
| Net interest income | 1,369,000 | 2,777,000 | 4,227,000 | 5,667,000 |
| Noninterest income | 158,000 | 367,000 | 576,000 | 764,000 |
| Noninterest expense | 773,000 | 1,523,000 | 2,281,000 | 3,055,000 |
| Provision for loan losses | 0 | 0 | 0 | 55,000 |
| Pretax income | 754,000 | 1,621,000 | 2,522,000 | 3,321,000 |
| Income tax | 275,000 | 592,000 | 922,000 | 1,216,000 |
| Net income | 479,000 | 1,029,000 | 1,600,000 | 2,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,834,000 | 10,884,000 | 11,455,000 | 11,460,000 |
| Total capital | 12,113,000 | 12,160,000 | 12,732,000 | 12,755,000 |
| Risk-weighted assets | 102,261,000 | 107,444,000 | 110,920,000 | 114,776,000 |