Call reports 2011
HURON STATE BANK — 2011
What HURON STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 53,239,000 | 53,192,000 | 57,404,000 | 54,439,000 |
| Total loans | 35,181,000 | 34,946,000 | 35,099,000 | 35,938,000 |
| Allowance for loan losses | 332,000 | 306,000 | 295,000 | 300,000 |
| Securities available for sale | 7,774,000 | 7,512,000 | 10,076,000 | 10,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,107,000 | 45,996,000 | 49,892,000 | 46,987,000 |
| Interest-bearing deposits | 40,999,000 | 40,201,000 | 44,072,000 | 41,132,000 |
| Noninterest-bearing deposits | 5,108,000 | 5,795,000 | 5,820,000 | 5,855,000 |
| Equity capital | 7,015,000 | 7,130,000 | 7,341,000 | 7,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 681,000 | 1,336,000 | 1,992,000 | 2,657,000 |
| Interest expense | 193,000 | 377,000 | 556,000 | 727,000 |
| Net interest income | 488,000 | 959,000 | 1,436,000 | 1,930,000 |
| Noninterest income | 44,000 | 79,000 | 138,000 | 224,000 |
| Noninterest expense | 286,000 | 580,000 | 894,000 | 1,213,000 |
| Provision for loan losses | 80,000 | 134,000 | 149,000 | 154,000 |
| Pretax income | 166,000 | 324,000 | 531,000 | 787,000 |
| Income tax | 51,000 | 93,000 | 156,000 | 244,000 |
| Net income | 115,000 | 231,000 | 375,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,032,000 | 7,138,000 | 7,281,000 | 7,230,000 |
| Total capital | 7,364,000 | 7,444,000 | 7,576,000 | 7,530,000 |
| Risk-weighted assets | 32,167,000 | 32,013,000 | 34,120,000 | 34,126,000 |