Call reports 2020
HOUGHTON STATE BANK — 2020
What HOUGHTON STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 173,911,000 | 190,351,000 | 194,070,000 | 199,862,000 |
| Total loans | 133,065,000 | 150,330,000 | 154,600,000 | 162,456,000 |
| Allowance for loan losses | 1,642,000 | 1,642,000 | 1,658,000 | 1,780,000 |
| Securities available for sale | 15,284,000 | 15,801,000 | 19,902,000 | 19,886,000 |
| Securities held to maturity | 3,665,000 | 3,472,000 | 3,349,000 | 3,343,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,700,000 | 164,268,000 | 168,000,000 | 168,075,000 |
| Interest-bearing deposits | 115,830,000 | 113,418,000 | 123,876,000 | 122,436,000 |
| Noninterest-bearing deposits | 31,870,000 | 50,850,000 | 44,124,000 | 45,639,000 |
| Equity capital | 25,255,000 | 24,524,000 | 25,120,000 | 25,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,847,000 | 3,686,000 | 5,491,000 | 7,596,000 |
| Interest expense | 215,000 | 353,000 | 463,000 | 563,000 |
| Net interest income | 1,632,000 | 3,333,000 | 5,028,000 | 7,033,000 |
| Noninterest income | 107,000 | 233,000 | 349,000 | 463,000 |
| Noninterest expense | 1,010,000 | 2,045,000 | 3,036,000 | 4,045,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 145,000 |
| Pretax income | 715,000 | 1,512,000 | 2,307,000 | 3,300,000 |
| Income tax | 172,000 | 463,000 | 642,000 | 799,000 |
| Net income | 543,000 | 1,049,000 | 1,665,000 | 2,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,025,000 | 19,012,000 | 19,628,000 | 20,464,000 |
| Total capital | 21,667,000 | 20,654,000 | 21,286,000 | 22,244,000 |
| Risk-weighted assets | 133,885,000 | 152,259,000 | 157,400,000 | 164,657,000 |