Call reports 2008
HURON STATE BANK — 2008
What HURON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 49,704,000 | 50,740,000 | 53,217,000 | 50,634,000 |
| Total loans | 38,178,000 | 37,787,000 | 38,018,000 | 37,382,000 |
| Allowance for loan losses | 278,000 | 294,000 | 202,000 | 281,000 |
| Securities available for sale | 2,069,000 | 2,583,000 | 2,775,000 | 5,955,000 |
| Securities held to maturity | 65,000 | 65,000 | 65,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,300,000 | 44,277,000 | 46,631,000 | 44,138,000 |
| Interest-bearing deposits | 38,838,000 | 39,020,000 | 41,961,000 | 39,063,000 |
| Noninterest-bearing deposits | 4,461,000 | 5,257,000 | 4,669,000 | 5,075,000 |
| Equity capital | 6,145,000 | 6,274,000 | 6,402,000 | 6,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 799,000 | 1,572,000 | 2,348,000 | 3,104,000 |
| Interest expense | 322,000 | 633,000 | 938,000 | 1,245,000 |
| Net interest income | 477,000 | 939,000 | 1,410,000 | 1,859,000 |
| Noninterest income | 34,000 | 63,000 | 97,000 | 129,000 |
| Noninterest expense | 282,000 | 558,000 | 838,000 | 1,107,000 |
| Provision for loan losses | 25,000 | 41,000 | 81,000 | 177,000 |
| Pretax income | 204,000 | 403,000 | 588,000 | 704,000 |
| Income tax | 57,000 | 121,000 | 182,000 | 245,000 |
| Net income | 147,000 | 282,000 | 406,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,141,000 | 6,275,000 | 6,399,000 | 6,281,000 |
| Total capital | 6,419,000 | 6,569,000 | 6,601,000 | 6,562,000 |
| Risk-weighted assets | 32,361,000 | 32,866,000 | 33,316,000 | 32,520,000 |
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