Call reports 2007
HURON COMMUNITY BANK — 2007
What HURON COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 184,365,000 | 179,967,000 | 190,942,000 | 180,893,000 |
| Total loans | 149,911,000 | 148,223,000 | 148,848,000 | 147,924,000 |
| Allowance for loan losses | 2,323,000 | 2,328,000 | 2,292,000 | 2,236,000 |
| Securities available for sale | 14,012,000 | 12,748,000 | 12,803,000 | 12,828,000 |
| Securities held to maturity | 4,756,000 | 4,977,000 | 4,850,000 | 5,157,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,679,000 | 138,425,000 | 151,541,000 | 139,472,000 |
| Interest-bearing deposits | 122,929,000 | 117,218,000 | 128,706,000 | 119,152,000 |
| Noninterest-bearing deposits | 19,750,000 | 21,207,000 | 22,835,000 | 20,320,000 |
| Equity capital | 20,635,000 | 20,458,000 | 20,432,000 | 20,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,149,000 | 6,301,000 | 9,459,000 | 12,565,000 |
| Interest expense | 1,253,000 | 2,517,000 | 3,774,000 | 5,018,000 |
| Net interest income | 1,896,000 | 3,784,000 | 5,685,000 | 7,547,000 |
| Noninterest income | 315,000 | 612,000 | 911,000 | 1,218,000 |
| Noninterest expense | 1,333,000 | 2,721,000 | 4,050,000 | 5,415,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 150,000 |
| Pretax income | 863,000 | 1,645,000 | 2,501,000 | 3,200,000 |
| Income tax | 240,000 | 432,000 | 663,000 | 853,000 |
| Net income | 623,000 | 1,213,000 | 1,838,000 | 2,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,847,000 | 19,747,000 | 19,751,000 | 20,318,000 |
| Total capital | 21,515,000 | 21,395,000 | 21,417,000 | 21,940,000 |
| Risk-weighted assets | 132,793,000 | 131,151,000 | 132,688,000 | 129,125,000 |
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