Call reports 2007
HURON STATE BANK — 2007
What HURON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,464,000 | 48,214,000 | 51,080,000 | 49,341,000 |
| Total loans | 38,203,000 | 38,562,000 | 38,347,000 | 38,446,000 |
| Allowance for loan losses | 261,000 | 265,000 | 268,000 | 253,000 |
| Securities available for sale | 5,542,000 | 5,704,000 | 4,894,000 | 3,803,000 |
| Securities held to maturity | 95,000 | 95,000 | 95,000 | 65,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,462,000 | 42,089,000 | 44,772,000 | 43,101,000 |
| Interest-bearing deposits | 37,677,000 | 37,418,000 | 39,795,000 | 37,958,000 |
| Noninterest-bearing deposits | 4,785,000 | 4,671,000 | 4,977,000 | 5,143,000 |
| Equity capital | 5,692,000 | 5,856,000 | 6,036,000 | 6,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 807,000 | 1,617,000 | 2,438,000 | 3,268,000 |
| Interest expense | 313,000 | 637,000 | 963,000 | 1,295,000 |
| Net interest income | 494,000 | 980,000 | 1,475,000 | 1,973,000 |
| Noninterest income | 35,000 | 67,000 | 101,000 | 133,000 |
| Noninterest expense | 277,000 | 553,000 | 826,000 | 1,091,000 |
| Provision for loan losses | 3,000 | 7,000 | 13,000 | 35,000 |
| Pretax income | 249,000 | 487,000 | 737,000 | 980,000 |
| Income tax | 79,000 | 153,000 | 230,000 | 303,000 |
| Net income | 170,000 | 334,000 | 507,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,705,000 | 5,870,000 | 6,038,000 | 6,013,000 |
| Total capital | 5,966,000 | 6,135,000 | 6,306,000 | 6,266,000 |
| Risk-weighted assets | 32,946,000 | 33,062,000 | 33,453,000 | 32,941,000 |
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