Call reports 2025
HOUGHTON STATE BANK — 2025
What HOUGHTON STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 214,116,000 | 206,085,000 | 204,657,000 | 210,084,000 |
| Total loans | 158,112,000 | 155,388,000 | 154,733,000 | 157,847,000 |
| Allowance for loan losses | 2,027,000 | 1,984,000 | 1,982,000 | 2,124,000 |
| Securities available for sale | 30,653,000 | 30,251,000 | 29,850,000 | 31,083,000 |
| Securities held to maturity | 962,000 | 728,000 | 723,000 | 718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,016,000 | 172,359,000 | 166,812,000 | 175,046,000 |
| Interest-bearing deposits | 131,918,000 | 125,148,000 | 120,605,000 | 128,931,000 |
| Noninterest-bearing deposits | 49,098,000 | 47,211,000 | 46,207,000 | 46,115,000 |
| Equity capital | 32,519,000 | 33,238,000 | 33,865,000 | 34,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,629,000 | 5,210,000 | 7,768,000 | 10,398,000 |
| Interest expense | 747,000 | 1,400,000 | 2,033,000 | 2,706,000 |
| Net interest income | 1,882,000 | 3,810,000 | 5,735,000 | 7,692,000 |
| Noninterest income | 175,000 | 366,000 | 556,000 | 764,000 |
| Noninterest expense | 1,010,000 | 2,012,000 | 3,093,000 | 4,138,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 1,044,000 | 2,161,000 | 3,186,000 | 4,161,000 |
| Income tax | 244,000 | 505,000 | 739,000 | 965,000 |
| Net income | 800,000 | 1,656,000 | 2,447,000 | 3,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,055,000 | 29,579,000 | 30,038,000 | 30,456,000 |
| Total capital | 31,082,000 | 31,563,000 | 32,020,000 | 32,575,000 |
| Risk-weighted assets | 168,291,000 | 169,061,000 | 166,278,000 | 169,517,000 |