Call reports 2008
HURON COMMUNITY BANK — 2008
What HURON COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 180,585,000 | 183,201,000 | 197,837,000 | 184,873,000 |
| Total loans | 146,683,000 | 146,881,000 | 148,855,000 | 153,247,000 |
| Allowance for loan losses | 2,095,000 | 2,031,000 | 2,141,000 | 2,149,000 |
| Securities available for sale | 9,962,000 | 13,530,000 | 14,570,000 | 10,084,000 |
| Securities held to maturity | 6,021,000 | 5,603,000 | 7,015,000 | 6,555,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,381,000 | 133,912,000 | 152,598,000 | 142,467,000 |
| Interest-bearing deposits | 115,734,000 | 112,566,000 | 130,448,000 | 121,551,000 |
| Noninterest-bearing deposits | 19,647,000 | 21,346,000 | 22,150,000 | 20,916,000 |
| Equity capital | 20,796,000 | 20,875,000 | 20,707,000 | 19,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,898,000 | 5,599,000 | 8,268,000 | 10,870,000 |
| Interest expense | 1,133,000 | 2,128,000 | 3,065,000 | 3,917,000 |
| Net interest income | 1,765,000 | 3,471,000 | 5,203,000 | 6,953,000 |
| Noninterest income | 355,000 | 714,000 | 1,036,000 | 1,349,000 |
| Noninterest expense | 1,350,000 | 2,778,000 | 4,194,000 | 5,537,000 |
| Provision for loan losses | 30,000 | 60,000 | 348,000 | 408,000 |
| Pretax income | 746,000 | 1,353,000 | 1,703,000 | 1,494,000 |
| Income tax | 219,000 | 382,000 | 463,000 | 348,000 |
| Net income | 527,000 | 971,000 | 1,240,000 | 1,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,187,000 | 20,410,000 | 20,479,000 | 18,842,000 |
| Total capital | 21,800,000 | 22,131,000 | 22,254,000 | 20,626,000 |
| Risk-weighted assets | 128,549,000 | 137,382,000 | 141,639,000 | 142,362,000 |
Machine access — free, no API key
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