Call reports 2005
HURON STATE BANK — 2005
What HURON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,169,000 | 49,531,000 | 50,617,000 | 47,804,000 |
| Total loans | 37,118,000 | 37,565,000 | 36,981,000 | 36,877,000 |
| Allowance for loan losses | 204,000 | 215,000 | 223,000 | 233,000 |
| Securities available for sale | 5,338,000 | 5,539,000 | 6,712,000 | 6,973,000 |
| Securities held to maturity | 145,000 | 145,000 | 145,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,255,000 | 44,391,000 | 45,320,000 | 42,564,000 |
| Interest-bearing deposits | 36,879,000 | 38,568,000 | 39,200,000 | 37,542,000 |
| Noninterest-bearing deposits | 4,376,000 | 5,823,000 | 6,120,000 | 5,021,000 |
| Equity capital | 4,693,000 | 4,874,000 | 5,035,000 | 5,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 745,000 | 1,501,000 | 2,273,000 | 3,051,000 |
| Interest expense | 246,000 | 510,000 | 786,000 | 1,071,000 |
| Net interest income | 499,000 | 991,000 | 1,487,000 | 1,980,000 |
| Noninterest income | 32,000 | 65,000 | 109,000 | 146,000 |
| Noninterest expense | 264,000 | 528,000 | 804,000 | 1,078,000 |
| Provision for loan losses | 113,000 | 124,000 | 137,000 | 147,000 |
| Pretax income | 154,000 | 404,000 | 655,000 | 901,000 |
| Income tax | 49,000 | 127,000 | 207,000 | 283,000 |
| Net income | 105,000 | 277,000 | 448,000 | 618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,698,000 | 4,869,000 | 5,041,000 | 5,047,000 |
| Total capital | 4,902,000 | 5,084,000 | 5,264,000 | 5,280,000 |
| Risk-weighted assets | 32,473,000 | 33,169,000 | 32,956,000 | 32,873,000 |
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