Call reports 2013
HURON COMMUNITY BANK — 2013
What HURON COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 188,412,000 | 183,304,000 | 201,513,000 | 187,116,000 |
| Total loans | 130,626,000 | 127,541,000 | 126,608,000 | 125,519,000 |
| Allowance for loan losses | 1,914,000 | 2,004,000 | 2,100,000 | 2,020,000 |
| Securities available for sale | 31,102,000 | 25,935,000 | 29,165,000 | 29,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,221,000 | 150,213,000 | 166,799,000 | 155,598,000 |
| Interest-bearing deposits | 126,445,000 | 119,905,000 | 136,688,000 | 124,700,000 |
| Noninterest-bearing deposits | 26,776,000 | 30,308,000 | 30,111,000 | 30,898,000 |
| Equity capital | 23,276,000 | 22,978,000 | 22,884,000 | 21,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,799,000 | 3,605,000 | 5,295,000 | 6,975,000 |
| Interest expense | 154,000 | 299,000 | 442,000 | 580,000 |
| Net interest income | 1,645,000 | 3,306,000 | 4,853,000 | 6,395,000 |
| Noninterest income | 380,000 | 720,000 | 970,000 | 908,000 |
| Noninterest expense | 1,381,000 | 2,764,000 | 4,076,000 | 5,482,000 |
| Provision for loan losses | 150,000 | 250,000 | 350,000 | 820,000 |
| Pretax income | 494,000 | 1,029,000 | 1,414,000 | 1,018,000 |
| Income tax | 127,000 | 277,000 | 378,000 | 318,000 |
| Net income | 367,000 | 752,000 | 1,036,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,815,000 | 22,802,000 | 22,863,000 | 21,592,000 |
| Total capital | 24,475,000 | 24,424,000 | 24,505,000 | 23,188,000 |
| Risk-weighted assets | 132,527,000 | 129,358,000 | 130,904,000 | 133,732,000 |
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