Call reports 2019
HOUGHTON STATE BANK — 2019
What HOUGHTON STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 179,656,000 | 174,692,000 | 176,023,000 | 178,788,000 |
| Total loans | 131,159,000 | 129,882,000 | 129,313,000 | 133,658,000 |
| Allowance for loan losses | 1,564,000 | 1,620,000 | 1,625,000 | 1,632,000 |
| Securities available for sale | 17,287,000 | 17,657,000 | 16,686,000 | 16,088,000 |
| Securities held to maturity | 3,249,000 | 3,096,000 | 3,680,000 | 3,673,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,112,000 | 146,486,000 | 150,987,000 | 151,141,000 |
| Interest-bearing deposits | 119,140,000 | 115,485,000 | 118,895,000 | 117,137,000 |
| Noninterest-bearing deposits | 31,972,000 | 31,001,000 | 32,092,000 | 34,004,000 |
| Equity capital | 23,560,000 | 24,323,000 | 24,603,000 | 24,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,806,000 | 3,677,000 | 5,546,000 | 7,392,000 |
| Interest expense | 188,000 | 420,000 | 675,000 | 921,000 |
| Net interest income | 1,618,000 | 3,257,000 | 4,871,000 | 6,471,000 |
| Noninterest income | 153,000 | 330,000 | 497,000 | 668,000 |
| Noninterest expense | 986,000 | 1,983,000 | 3,011,000 | 4,025,000 |
| Provision for loan losses | 38,000 | 94,000 | 119,000 | 131,000 |
| Pretax income | 753,000 | 1,514,000 | 2,247,000 | 2,992,000 |
| Income tax | 181,000 | 365,000 | 544,000 | 727,000 |
| Net income | 572,000 | 1,149,000 | 1,703,000 | 2,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,514,000 | 19,091,000 | 19,295,000 | 19,482,000 |
| Total capital | 20,078,000 | 20,711,000 | 20,920,000 | 21,114,000 |
| Risk-weighted assets | 131,724,000 | 131,850,000 | 132,271,000 | 134,927,000 |