Call reports 2023
HOUGHTON STATE BANK — 2023
What HOUGHTON STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 220,909,000 | 215,663,000 | 217,908,000 | 232,032,000 |
| Total loans | 161,183,000 | 162,058,000 | 165,783,000 | 178,598,000 |
| Allowance for loan losses | 2,042,000 | 1,996,000 | 1,980,000 | 2,047,000 |
| Securities available for sale | 36,709,000 | 35,392,000 | 34,317,000 | 33,820,000 |
| Securities held to maturity | 2,140,000 | 1,336,000 | 1,221,000 | 1,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,777,000 | 181,775,000 | 179,037,000 | 169,695,000 |
| Interest-bearing deposits | 147,187,000 | 134,568,000 | 137,927,000 | 130,207,000 |
| Noninterest-bearing deposits | 46,590,000 | 47,207,000 | 41,110,000 | 39,488,000 |
| Equity capital | 26,641,000 | 26,983,000 | 27,416,000 | 28,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,054,000 | 4,197,000 | 6,449,000 | 8,962,000 |
| Interest expense | 263,000 | 629,000 | 1,160,000 | 1,945,000 |
| Net interest income | 1,791,000 | 3,568,000 | 5,289,000 | 7,017,000 |
| Noninterest income | 192,000 | 389,000 | 586,000 | 779,000 |
| Noninterest expense | 1,005,000 | 2,023,000 | 3,062,000 | 4,021,000 |
| Provision for loan losses | 0 | -30,000 | -45,000 | 25,000 |
| Pretax income | 986,000 | 1,976,000 | 2,874,000 | 3,781,000 |
| Income tax | 238,000 | 474,000 | 688,000 | 903,000 |
| Net income | 748,000 | 1,502,000 | 2,186,000 | 2,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,990,000 | 24,744,000 | 25,428,000 | 25,552,000 |
| Total capital | 26,032,000 | 26,740,000 | 27,408,000 | 27,599,000 |
| Risk-weighted assets | 169,500,000 | 170,251,000 | 174,548,000 | 186,855,000 |