Call reports 2012
HOUGHTON STATE BANK — 2012
What HOUGHTON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 163,900,000 | 161,315,000 | 162,386,000 | 166,951,000 |
| Total loans | 102,799,000 | 102,651,000 | 101,726,000 | 113,785,000 |
| Allowance for loan losses | 1,281,000 | 1,236,000 | 1,217,000 | 1,222,000 |
| Securities available for sale | 24,621,000 | 25,398,000 | 24,808,000 | 23,687,000 |
| Securities held to maturity | 719,000 | 645,000 | 1,471,000 | 1,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,743,000 | 143,900,000 | 144,309,000 | 147,866,000 |
| Interest-bearing deposits | 109,152,000 | 108,660,000 | 107,678,000 | 110,308,000 |
| Noninterest-bearing deposits | 37,591,000 | 35,240,000 | 36,631,000 | 37,558,000 |
| Equity capital | 16,636,000 | 17,070,000 | 17,569,000 | 18,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 2,986,000 | 4,453,000 | 5,890,000 |
| Interest expense | 87,000 | 163,000 | 232,000 | 292,000 |
| Net interest income | 1,408,000 | 2,823,000 | 4,221,000 | 5,598,000 |
| Noninterest income | 169,000 | 362,000 | 562,000 | 742,000 |
| Noninterest expense | 778,000 | 1,550,000 | 2,331,000 | 3,114,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 799,000 | 1,635,000 | 2,452,000 | 3,216,000 |
| Income tax | 291,000 | 596,000 | 893,000 | 1,170,000 |
| Net income | 508,000 | 1,039,000 | 1,559,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,475,000 | 12,006,000 | 12,526,000 | 13,013,000 |
| Total capital | 12,756,000 | 13,242,000 | 13,743,000 | 14,235,000 |
| Risk-weighted assets | 110,344,000 | 109,886,000 | 110,235,000 | 120,909,000 |