Call reports 2012
HURON STATE BANK — 2012
What HURON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 54,392,000 | 55,416,000 | 58,775,000 | 57,933,000 |
| Total loans | 36,420,000 | 37,086,000 | 37,783,000 | 38,241,000 |
| Allowance for loan losses | 317,000 | 350,000 | 358,000 | 295,000 |
| Securities available for sale | 10,495,000 | 9,484,000 | 6,089,000 | 5,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,721,000 | 47,564,000 | 50,786,000 | 50,174,000 |
| Interest-bearing deposits | 41,014,000 | 41,271,000 | 44,233,000 | 43,254,000 |
| Noninterest-bearing deposits | 5,707,000 | 6,293,000 | 6,553,000 | 6,920,000 |
| Equity capital | 7,442,000 | 7,618,000 | 7,763,000 | 7,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 662,000 | 1,308,000 | 1,968,000 | 2,631,000 |
| Interest expense | 154,000 | 295,000 | 436,000 | 567,000 |
| Net interest income | 508,000 | 1,013,000 | 1,532,000 | 2,064,000 |
| Noninterest income | 57,000 | 125,000 | 191,000 | 238,000 |
| Noninterest expense | 309,000 | 612,000 | 924,000 | 1,252,000 |
| Provision for loan losses | 17,000 | 53,000 | 115,000 | 158,000 |
| Pretax income | 239,000 | 473,000 | 708,000 | 916,000 |
| Income tax | 74,000 | 139,000 | 208,000 | 253,000 |
| Net income | 165,000 | 334,000 | 500,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,385,000 | 7,554,000 | 7,710,000 | 7,574,000 |
| Total capital | 7,702,000 | 7,904,000 | 8,068,000 | 7,869,000 |
| Risk-weighted assets | 34,092,000 | 34,141,000 | 35,288,000 | 35,220,000 |