Call reports 2015
HOUGHTON STATE BANK — 2015
What HOUGHTON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 175,014,000 | 173,216,000 | 170,539,000 | 174,569,000 |
| Total loans | 108,703,000 | 110,370,000 | 109,348,000 | 114,862,000 |
| Allowance for loan losses | 1,332,000 | 1,332,000 | 1,332,000 | 1,320,000 |
| Securities available for sale | 20,554,000 | 19,386,000 | 20,104,000 | 20,491,000 |
| Securities held to maturity | 2,691,000 | 2,478,000 | 2,380,000 | 3,127,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,332,000 | 153,252,000 | 150,479,000 | 154,523,000 |
| Interest-bearing deposits | 124,824,000 | 123,690,000 | 123,389,000 | 120,423,000 |
| Noninterest-bearing deposits | 30,508,000 | 29,562,000 | 27,090,000 | 34,100,000 |
| Equity capital | 19,227,000 | 19,612,000 | 19,689,000 | 19,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,348,000 | 2,736,000 | 4,122,000 | 5,485,000 |
| Interest expense | 45,000 | 92,000 | 137,000 | 188,000 |
| Net interest income | 1,303,000 | 2,644,000 | 3,985,000 | 5,297,000 |
| Noninterest income | 153,000 | 319,000 | 493,000 | 657,000 |
| Noninterest expense | 883,000 | 1,724,000 | 2,602,000 | 3,468,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 573,000 | 1,239,000 | 1,876,000 | 2,486,000 |
| Income tax | 204,000 | 444,000 | 673,000 | 891,000 |
| Net income | 369,000 | 795,000 | 1,203,000 | 1,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,174,000 | 14,601,000 | 14,629,000 | 14,641,000 |
| Total capital | 15,506,000 | 15,933,000 | 15,961,000 | 15,961,000 |
| Risk-weighted assets | 117,573,000 | 118,530,000 | 117,857,000 | 123,112,000 |