Call reports 2013
HOUGHTON STATE BANK — 2013
What HOUGHTON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 169,281,000 | 163,189,000 | 162,060,000 | 169,174,000 |
| Total loans | 106,538,000 | 106,184,000 | 106,514,000 | 114,357,000 |
| Allowance for loan losses | 1,223,000 | 1,211,000 | 1,240,000 | 1,275,000 |
| Securities available for sale | 22,159,000 | 23,567,000 | 22,778,000 | 22,001,000 |
| Securities held to maturity | 1,366,000 | 1,306,000 | 2,707,000 | 2,679,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,098,000 | 144,827,000 | 141,091,000 | 140,541,000 |
| Interest-bearing deposits | 117,784,000 | 113,440,000 | 111,011,000 | 110,111,000 |
| Noninterest-bearing deposits | 33,314,000 | 31,387,000 | 30,080,000 | 30,430,000 |
| Equity capital | 17,699,000 | 17,983,000 | 18,521,000 | 18,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,787,000 | 4,205,000 | 5,605,000 |
| Interest expense | 54,000 | 104,000 | 152,000 | 199,000 |
| Net interest income | 1,343,000 | 2,683,000 | 4,053,000 | 5,406,000 |
| Noninterest income | 159,000 | 327,000 | 513,000 | 700,000 |
| Noninterest expense | 813,000 | 1,560,000 | 2,363,000 | 3,148,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 689,000 | 1,450,000 | 2,203,000 | 2,898,000 |
| Income tax | 249,000 | 525,000 | 797,000 | 1,046,000 |
| Net income | 440,000 | 925,000 | 1,406,000 | 1,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,689,000 | 13,174,000 | 13,655,000 | 14,101,000 |
| Total capital | 13,912,000 | 14,385,000 | 14,895,000 | 15,376,000 |
| Risk-weighted assets | 115,336,000 | 114,416,000 | 115,174,000 | 122,281,000 |