Call reports 2018
HOUGHTON STATE BANK — 2018
What HOUGHTON STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 188,944,000 | 177,222,000 | 181,633,000 | 180,675,000 |
| Total loans | 119,733,000 | 119,996,000 | 121,051,000 | 128,779,000 |
| Allowance for loan losses | 1,469,000 | 1,496,000 | 1,502,000 | 1,529,000 |
| Securities available for sale | 20,797,000 | 18,068,000 | 16,889,000 | 17,614,000 |
| Securities held to maturity | 4,883,000 | 3,262,000 | 3,257,000 | 3,253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,902,000 | 154,768,000 | 158,692,000 | 155,405,000 |
| Interest-bearing deposits | 132,947,000 | 121,532,000 | 126,669,000 | 121,014,000 |
| Noninterest-bearing deposits | 33,955,000 | 33,236,000 | 32,023,000 | 34,391,000 |
| Equity capital | 21,680,000 | 22,138,000 | 22,539,000 | 22,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,566,000 | 3,180,000 | 4,843,000 | 6,593,000 |
| Interest expense | 145,000 | 279,000 | 420,000 | 579,000 |
| Net interest income | 1,421,000 | 2,901,000 | 4,423,000 | 6,014,000 |
| Noninterest income | 165,000 | 341,000 | 513,000 | 701,000 |
| Noninterest expense | 1,006,000 | 1,990,000 | 3,012,000 | 4,015,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 185,000 |
| Pretax income | 535,000 | 1,162,000 | 1,788,000 | 2,506,000 |
| Income tax | 126,000 | 277,000 | 423,000 | 595,000 |
| Net income | 409,000 | 885,000 | 1,365,000 | 1,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,861,000 | 17,338,000 | 17,806,000 | 17,942,000 |
| Total capital | 18,330,000 | 18,834,000 | 19,308,000 | 19,471,000 |
| Risk-weighted assets | 122,757,000 | 121,322,000 | 124,320,000 | 130,338,000 |