Call reports 2025
HURON COMMUNITY BANK — 2025
What HURON COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 305,148,000 | 324,711,000 | 336,996,000 | 320,120,000 |
| Total loans | 168,474,000 | 180,800,000 | 185,301,000 | 190,964,000 |
| Allowance for loan losses | 2,688,000 | 2,790,000 | 3,061,000 | 3,271,000 |
| Securities available for sale | 92,634,000 | 90,038,000 | 92,391,000 | 93,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,617,000 | 274,415,000 | 303,459,000 | 279,688,000 |
| Interest-bearing deposits | 228,967,000 | 221,413,000 | 245,971,000 | 228,948,000 |
| Noninterest-bearing deposits | 47,650,000 | 53,002,000 | 57,488,000 | 50,740,000 |
| Equity capital | 22,906,000 | 23,337,000 | 24,541,000 | 25,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,423,000 | 7,040,000 | 10,915,000 | 14,887,000 |
| Interest expense | 864,000 | 1,744,000 | 2,607,000 | 3,446,000 |
| Net interest income | 2,559,000 | 5,296,000 | 8,308,000 | 11,441,000 |
| Noninterest income | 226,000 | 467,000 | 732,000 | 959,000 |
| Noninterest expense | 2,308,000 | 4,621,000 | 6,952,000 | 9,094,000 |
| Provision for loan losses | 105,000 | 285,000 | 555,000 | 851,000 |
| Pretax income | 373,000 | 857,000 | 1,533,000 | 2,455,000 |
| Income tax | 26,000 | 78,000 | 171,000 | 316,000 |
| Net income | 347,000 | 779,000 | 1,362,000 | 2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,399,000 | 28,555,000 | 28,249,000 | 28,977,000 |
| Total capital | 31,009,000 | — | — | — |
| Risk-weighted assets | 208,789,000 | — | — | — |