Call reports 2012
HURON COMMUNITY BANK — 2012
What HURON COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 181,345,000 | 178,280,000 | 203,486,000 | 186,943,000 |
| Total loans | 130,678,000 | 130,961,000 | 131,549,000 | 130,404,000 |
| Allowance for loan losses | 1,964,000 | 2,107,000 | 2,151,000 | 2,074,000 |
| Securities available for sale | 27,798,000 | 26,370,000 | 33,150,000 | 31,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,863,000 | 143,788,000 | 165,413,000 | 150,767,000 |
| Interest-bearing deposits | 123,190,000 | 115,742,000 | 137,543,000 | 122,547,000 |
| Noninterest-bearing deposits | 24,673,000 | 28,046,000 | 27,870,000 | 28,220,000 |
| Equity capital | 22,258,000 | 22,793,000 | 23,198,000 | 23,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,011,000 | 4,035,000 | 6,062,000 | 8,074,000 |
| Interest expense | 222,000 | 429,000 | 615,000 | 790,000 |
| Net interest income | 1,789,000 | 3,606,000 | 5,447,000 | 7,284,000 |
| Noninterest income | 424,000 | 827,000 | 1,147,000 | 1,548,000 |
| Noninterest expense | 1,495,000 | 2,937,000 | 4,514,000 | 6,027,000 |
| Provision for loan losses | 165,000 | 330,000 | 385,000 | 690,000 |
| Pretax income | 553,000 | 1,166,000 | 1,695,000 | 2,117,000 |
| Income tax | 151,000 | 324,000 | 470,000 | 532,000 |
| Net income | 402,000 | 842,000 | 1,225,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,833,000 | 22,274,000 | 22,654,000 | 22,906,000 |
| Total capital | 23,437,000 | 23,955,000 | 24,255,000 | 24,571,000 |
| Risk-weighted assets | 127,977,000 | 134,049,000 | 135,693,000 | 132,821,000 |
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