Call reports 2019
HURON COMMUNITY BANK — 2019
What HURON COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 213,375,000 | 217,072,000 | 235,094,000 | 221,816,000 |
| Total loans | 140,308,000 | 145,028,000 | 143,854,000 | 143,695,000 |
| Allowance for loan losses | 1,833,000 | 1,808,000 | 1,835,000 | 1,871,000 |
| Securities available for sale | 34,292,000 | 32,254,000 | 35,315,000 | 34,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,051,000 | 176,515,000 | 200,284,000 | 187,259,000 |
| Interest-bearing deposits | 140,343,000 | 133,512,000 | 154,899,000 | 143,775,000 |
| Noninterest-bearing deposits | 38,708,000 | 43,003,000 | 45,385,000 | 43,484,000 |
| Equity capital | 25,283,000 | 26,199,000 | 26,942,000 | 27,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,225,000 | 4,516,000 | 6,881,000 | 9,197,000 |
| Interest expense | 213,000 | 481,000 | 753,000 | 1,020,000 |
| Net interest income | 2,012,000 | 4,035,000 | 6,128,000 | 8,177,000 |
| Noninterest income | 244,000 | 500,000 | 791,000 | 1,077,000 |
| Noninterest expense | 1,629,000 | 3,247,000 | 4,858,000 | 6,398,000 |
| Provision for loan losses | 15,000 | 35,000 | 58,000 | 620,000 |
| Pretax income | 622,000 | 1,263,000 | 2,013,000 | 2,247,000 |
| Income tax | 113,000 | 204,000 | 334,000 | 356,000 |
| Net income | 509,000 | 1,059,000 | 1,679,000 | 1,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,180,000 | 25,745,000 | 26,381,000 | 26,446,000 |
| Total capital | 27,013,000 | 27,553,000 | 28,216,000 | 28,317,000 |
| Risk-weighted assets | 149,015,000 | 152,971,000 | 154,151,000 | 157,277,000 |