Call reports 2022
HOUGHTON STATE BANK — 2022
What HOUGHTON STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 233,013,000 | 227,317,000 | 225,262,000 | 230,257,000 |
| Total loans | 157,462,000 | 154,369,000 | 162,179,000 | 171,099,000 |
| Allowance for loan losses | 1,969,000 | 1,948,000 | 1,945,000 | 2,044,000 |
| Securities available for sale | 34,419,000 | 41,005,000 | 42,157,000 | 38,064,000 |
| Securities held to maturity | 2,799,000 | 2,264,000 | 2,153,000 | 2,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,779,000 | 200,539,000 | 195,041,000 | 186,994,000 |
| Interest-bearing deposits | 153,905,000 | 145,608,000 | 144,938,000 | 135,247,000 |
| Noninterest-bearing deposits | 51,874,000 | 54,931,000 | 50,103,000 | 51,747,000 |
| Equity capital | 26,907,000 | 26,412,000 | 26,237,000 | 26,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,576,000 | 3,301,000 | 5,152,000 | 7,200,000 |
| Interest expense | 47,000 | 95,000 | 144,000 | 346,000 |
| Net interest income | 1,529,000 | 3,206,000 | 5,008,000 | 6,854,000 |
| Noninterest income | 175,000 | 370,000 | 574,000 | 771,000 |
| Noninterest expense | 943,000 | 1,922,000 | 2,960,000 | 4,022,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 757,000 | 1,643,000 | 2,608,000 | 3,485,000 |
| Income tax | 182,000 | 393,000 | 620,000 | 827,000 |
| Net income | 575,000 | 1,250,000 | 1,988,000 | 2,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,976,000 | 23,145,000 | 23,882,000 | 23,941,000 |
| Total capital | 24,945,000 | 25,093,000 | 25,827,000 | 25,985,000 |
| Risk-weighted assets | 164,634,000 | 162,087,000 | 170,861,000 | 179,862,000 |
Machine access — free, no API key
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