Call reports 2016
HURON COMMUNITY BANK — 2016
What HURON COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 188,484,000 | 183,284,000 | 206,223,000 | 195,042,000 |
| Total loans | 136,646,000 | 138,352,000 | 140,213,000 | 142,533,000 |
| Allowance for loan losses | 1,764,000 | 1,883,000 | 1,885,000 | 1,874,000 |
| Securities available for sale | 32,435,000 | 28,719,000 | 27,897,000 | 26,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,250,000 | 151,957,000 | 175,747,000 | 162,982,000 |
| Interest-bearing deposits | 124,563,000 | 115,451,000 | 133,802,000 | 125,005,000 |
| Noninterest-bearing deposits | 34,687,000 | 36,506,000 | 41,945,000 | 37,977,000 |
| Equity capital | 22,426,000 | 22,677,000 | 22,989,000 | 22,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,750,000 | 3,527,000 | 5,338,000 | 7,161,000 |
| Interest expense | 96,000 | 192,000 | 291,000 | 393,000 |
| Net interest income | 1,654,000 | 3,335,000 | 5,047,000 | 6,768,000 |
| Noninterest income | 243,000 | 439,000 | 793,000 | 1,046,000 |
| Noninterest expense | 1,382,000 | 2,733,000 | 4,191,000 | 5,565,000 |
| Provision for loan losses | 55,000 | 83,000 | 110,000 | 96,000 |
| Pretax income | 460,000 | 958,000 | 1,539,000 | 2,153,000 |
| Income tax | 120,000 | 240,000 | 357,000 | 569,000 |
| Net income | 340,000 | 718,000 | 1,182,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,143,000 | 22,309,000 | 22,657,000 | 22,931,000 |
| Total capital | 23,907,000 | 24,139,000 | 24,499,000 | 24,777,000 |
| Risk-weighted assets | 144,444,000 | 146,353,000 | 147,327,000 | 147,659,000 |