Call reports 2014
HOUGHTON STATE BANK — 2014
What HOUGHTON STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 172,414,000 | 172,512,000 | 170,461,000 | 179,067,000 |
| Total loans | 103,796,000 | 104,883,000 | 109,475,000 | 114,323,000 |
| Allowance for loan losses | 1,275,000 | 1,273,000 | 1,273,000 | 1,333,000 |
| Securities available for sale | 21,415,000 | 21,344,000 | 21,469,000 | 22,859,000 |
| Securities held to maturity | 2,677,000 | 2,470,000 | 2,373,000 | 2,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,522,000 | 153,767,000 | 151,258,000 | 157,386,000 |
| Interest-bearing deposits | 117,184,000 | 118,172,000 | 117,597,000 | 119,731,000 |
| Noninterest-bearing deposits | 35,338,000 | 35,595,000 | 33,661,000 | 37,655,000 |
| Equity capital | 17,892,000 | 18,362,000 | 18,788,000 | 18,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,351,000 | 2,695,000 | 4,074,000 | 5,473,000 |
| Interest expense | 48,000 | 96,000 | 144,000 | 191,000 |
| Net interest income | 1,303,000 | 2,599,000 | 3,930,000 | 5,282,000 |
| Noninterest income | 164,000 | 344,000 | 532,000 | 716,000 |
| Noninterest expense | 831,000 | 1,651,000 | 2,535,000 | 3,376,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 636,000 | 1,292,000 | 1,927,000 | 2,562,000 |
| Income tax | 227,000 | 463,000 | 690,000 | 919,000 |
| Net income | 409,000 | 829,000 | 1,237,000 | 1,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,008,000 | 13,428,000 | 13,836,000 | 13,805,000 |
| Total capital | 14,283,000 | 14,701,000 | 15,109,000 | 15,138,000 |
| Risk-weighted assets | 114,460,000 | 114,792,000 | 118,448,000 | 123,830,000 |