Call reports 2017
HOUGHTON STATE BANK — 2017
What HOUGHTON STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 172,528,000 | 171,449,000 | 164,847,000 | 180,655,000 |
| Total loans | 108,309,000 | 107,970,000 | 107,685,000 | 119,285,000 |
| Allowance for loan losses | 1,368,000 | 1,366,000 | 1,384,000 | 1,424,000 |
| Securities available for sale | 15,402,000 | 15,536,000 | 15,989,000 | 16,118,000 |
| Securities held to maturity | 2,809,000 | 3,097,000 | 3,094,000 | 4,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,990,000 | 149,920,000 | 142,908,000 | 158,968,000 |
| Interest-bearing deposits | 117,287,000 | 116,096,000 | 112,379,000 | 123,708,000 |
| Noninterest-bearing deposits | 33,703,000 | 33,824,000 | 30,529,000 | 35,260,000 |
| Equity capital | 21,048,000 | 21,194,000 | 21,569,000 | 21,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,358,000 | 2,770,000 | 4,202,000 | 5,678,000 |
| Interest expense | 48,000 | 116,000 | 208,000 | 336,000 |
| Net interest income | 1,310,000 | 2,654,000 | 3,994,000 | 5,342,000 |
| Noninterest income | 181,000 | 355,000 | 520,000 | 700,000 |
| Noninterest expense | 872,000 | 1,764,000 | 2,659,000 | 3,587,000 |
| Provision for loan losses | 13,000 | 20,000 | 38,000 | 106,000 |
| Pretax income | 604,000 | 1,223,000 | 1,819,000 | 2,347,000 |
| Income tax | 217,000 | 440,000 | 654,000 | 1,005,000 |
| Net income | 387,000 | 783,000 | 1,165,000 | 1,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,054,000 | 16,170,000 | 16,552,000 | 16,452,000 |
| Total capital | 17,422,000 | 17,536,000 | 17,936,000 | 17,876,000 |
| Risk-weighted assets | 114,989,000 | 114,599,000 | 112,945,000 | 125,213,000 |