Call reports 2006
HURON STATE BANK — 2006
What HURON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 48,452,000 | 49,534,000 | 50,342,000 | 48,429,000 |
| Total loans | 37,125,000 | 37,078,000 | 38,009,000 | 38,285,000 |
| Allowance for loan losses | 239,000 | 246,000 | 253,000 | 260,000 |
| Securities available for sale | 6,850,000 | 6,243,000 | 5,851,000 | 5,616,000 |
| Securities held to maturity | 120,000 | 120,000 | 120,000 | 95,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,068,000 | 43,972,000 | 44,561,000 | 42,682,000 |
| Interest-bearing deposits | 39,002,000 | 37,771,000 | 39,649,000 | 37,513,000 |
| Noninterest-bearing deposits | 4,066,000 | 6,200,000 | 4,912,000 | 5,169,000 |
| Equity capital | 5,189,000 | 5,349,000 | 5,534,000 | 5,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 776,000 | 1,552,000 | 2,352,000 | 3,159,000 |
| Interest expense | 275,000 | 554,000 | 849,000 | 1,156,000 |
| Net interest income | 501,000 | 998,000 | 1,503,000 | 2,003,000 |
| Noninterest income | 30,000 | 73,000 | 110,000 | 146,000 |
| Noninterest expense | 278,000 | 549,000 | 817,000 | 1,085,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 29,000 |
| Pretax income | 245,000 | 507,000 | 774,000 | 1,035,000 |
| Income tax | 79,000 | 168,000 | 261,000 | 351,000 |
| Net income | 166,000 | 339,000 | 513,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,213,000 | 5,378,000 | 5,552,000 | 5,544,000 |
| Total capital | 5,452,000 | 5,624,000 | 5,805,000 | 5,804,000 |
| Risk-weighted assets | 33,219,000 | 33,541,000 | 33,596,000 | 33,219,000 |
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