Call reports 2013
HURON STATE BANK — 2013
What HURON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 57,399,000 | 56,184,000 | 59,052,000 | 57,050,000 |
| Total loans | 37,921,000 | 38,507,000 | 39,936,000 | 40,102,000 |
| Allowance for loan losses | 357,000 | 301,000 | 349,000 | 344,000 |
| Securities available for sale | 5,742,000 | 5,272,000 | 5,546,000 | 5,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,355,000 | 48,038,000 | 50,726,000 | 48,893,000 |
| Interest-bearing deposits | 42,564,000 | 41,444,000 | 44,096,000 | 42,319,000 |
| Noninterest-bearing deposits | 6,791,000 | 6,594,000 | 6,631,000 | 6,574,000 |
| Equity capital | 7,883,000 | 7,992,000 | 8,094,000 | 7,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 652,000 | 1,290,000 | 1,978,000 | 2,640,000 |
| Interest expense | 125,000 | 249,000 | 372,000 | 492,000 |
| Net interest income | 527,000 | 1,041,000 | 1,606,000 | 2,148,000 |
| Noninterest income | 61,000 | 137,000 | 181,000 | 234,000 |
| Noninterest expense | 290,000 | 588,000 | 886,000 | 1,181,000 |
| Provision for loan losses | 62,000 | 132,000 | 187,000 | 272,000 |
| Pretax income | 236,000 | 458,000 | 714,000 | 929,000 |
| Income tax | 71,000 | 135,000 | 198,000 | 261,000 |
| Net income | 165,000 | 323,000 | 516,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,729,000 | 7,888,000 | 8,071,000 | 7,925,000 |
| Total capital | 8,086,000 | 8,189,000 | 8,420,000 | 8,269,000 |
| Risk-weighted assets | 35,173,000 | 35,028,000 | 36,423,000 | 36,324,000 |