Call reports 2016
HOUGHTON STATE BANK — 2016
What HOUGHTON STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 175,213,000 | 180,385,000 | 168,028,000 | 173,226,000 |
| Total loans | 113,709,000 | 110,958,000 | 114,171,000 | 113,777,000 |
| Allowance for loan losses | 1,324,000 | 1,338,000 | 1,346,000 | 1,359,000 |
| Securities available for sale | 19,683,000 | 19,734,000 | 18,550,000 | 18,582,000 |
| Securities held to maturity | 3,125,000 | 2,912,000 | 2,814,000 | 2,812,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,679,000 | 159,765,000 | 146,988,000 | 152,174,000 |
| Interest-bearing deposits | 123,710,000 | 124,407,000 | 116,888,000 | 116,543,000 |
| Noninterest-bearing deposits | 30,969,000 | 35,358,000 | 30,100,000 | 35,631,000 |
| Equity capital | 20,096,000 | 20,282,000 | 20,655,000 | 20,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,411,000 | 2,824,000 | 4,227,000 | 5,630,000 |
| Interest expense | 50,000 | 101,000 | 153,000 | 204,000 |
| Net interest income | 1,361,000 | 2,723,000 | 4,074,000 | 5,426,000 |
| Noninterest income | 146,000 | 310,000 | 506,000 | 690,000 |
| Noninterest expense | 926,000 | 1,837,000 | 2,714,000 | 3,598,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 45,000 |
| Pretax income | 581,000 | 1,181,000 | 1,836,000 | 2,473,000 |
| Income tax | 207,000 | 424,000 | 658,000 | 888,000 |
| Net income | 374,000 | 757,000 | 1,178,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,015,000 | 15,118,000 | 15,539,000 | 15,667,000 |
| Total capital | 16,339,000 | 16,456,000 | 16,885,000 | 17,026,000 |
| Risk-weighted assets | 121,950,000 | 121,296,000 | 121,519,000 | 121,968,000 |