Call reports 2021
HOUGHTON STATE BANK — 2021
What HOUGHTON STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 216,166,000 | 209,167,000 | 209,546,000 | 212,743,000 |
| Total loans | 161,362,000 | 148,497,000 | 153,996,000 | 159,763,000 |
| Allowance for loan losses | 1,780,000 | 1,778,000 | 1,841,000 | 1,974,000 |
| Securities available for sale | 22,516,000 | 27,902,000 | 28,602,000 | 27,031,000 |
| Securities held to maturity | 3,335,000 | 2,925,000 | 2,813,000 | 2,806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,212,000 | 181,340,000 | 181,420,000 | 184,966,000 |
| Interest-bearing deposits | 138,993,000 | 129,953,000 | 134,194,000 | 136,457,000 |
| Noninterest-bearing deposits | 50,219,000 | 51,387,000 | 47,226,000 | 48,509,000 |
| Equity capital | 26,450,000 | 27,344,000 | 27,598,000 | 27,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,683,000 | 3,925,000 | 5,705,000 | 7,331,000 |
| Interest expense | 82,000 | 150,000 | 202,000 | 251,000 |
| Net interest income | 1,601,000 | 3,775,000 | 5,503,000 | 7,080,000 |
| Noninterest income | 288,000 | 412,000 | 643,000 | 815,000 |
| Noninterest expense | 1,014,000 | 2,088,000 | 3,108,000 | 4,018,000 |
| Provision for loan losses | 0 | 0 | 64,000 | 200,000 |
| Pretax income | 886,000 | 2,114,000 | 2,992,000 | 3,704,000 |
| Income tax | 215,000 | 517,000 | 731,000 | 902,000 |
| Net income | 671,000 | 1,597,000 | 2,261,000 | 2,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,135,000 | 22,061,000 | 22,367,000 | 22,401,000 |
| Total capital | 22,915,000 | 23,839,000 | 24,208,000 | 24,375,000 |
| Risk-weighted assets | 168,577,000 | 152,248,000 | 158,673,000 | 163,533,000 |