Call reports 2015
HURON COMMUNITY BANK — 2015
What HURON COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 192,567,000 | 186,147,000 | 205,897,000 | 194,671,000 |
| Total loans | 132,597,000 | 132,944,000 | 132,792,000 | 135,929,000 |
| Allowance for loan losses | 1,741,000 | 1,551,000 | 1,634,000 | 1,655,000 |
| Securities available for sale | 32,834,000 | 30,157,000 | 33,184,000 | 33,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,325,000 | 155,258,000 | 173,783,000 | 158,892,000 |
| Interest-bearing deposits | 127,461,000 | 118,889,000 | 136,524,000 | 123,841,000 |
| Noninterest-bearing deposits | 30,864,000 | 36,369,000 | 37,259,000 | 35,051,000 |
| Equity capital | 22,484,000 | 22,085,000 | 22,464,000 | 22,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,487,000 | 5,210,000 | 6,972,000 |
| Interest expense | 107,000 | 202,000 | 289,000 | 426,000 |
| Net interest income | 1,626,000 | 3,285,000 | 4,921,000 | 6,546,000 |
| Noninterest income | 283,000 | 577,000 | 937,000 | 1,043,000 |
| Noninterest expense | 1,418,000 | 2,755,000 | 4,200,000 | 5,556,000 |
| Provision for loan losses | 102,000 | 317,000 | 400,000 | 427,000 |
| Pretax income | 389,000 | 790,000 | 1,258,000 | 1,606,000 |
| Income tax | 98,000 | 182,000 | 298,000 | 400,000 |
| Net income | 291,000 | 608,000 | 960,000 | 1,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,221,000 | 21,913,000 | 22,264,000 | 22,016,000 |
| Total capital | 23,962,000 | 23,464,000 | 23,898,000 | 23,671,000 |
| Risk-weighted assets | 141,184,000 | 139,261,000 | 142,404,000 | 144,529,000 |