Call reports 2015
HURON STATE BANK — 2015
What HURON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 59,690,000 | 57,949,000 | 62,023,000 | 62,300,000 |
| Total loans | 44,643,000 | 44,464,000 | 45,191,000 | 44,821,000 |
| Allowance for loan losses | 685,000 | 668,000 | 675,000 | 582,000 |
| Securities available for sale | 4,727,000 | 5,013,000 | 4,580,000 | 4,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,018,000 | 49,184,000 | 52,936,000 | 53,490,000 |
| Interest-bearing deposits | 42,619,000 | 41,063,000 | 44,731,000 | 43,607,000 |
| Noninterest-bearing deposits | 8,399,000 | 8,121,000 | 8,205,000 | 9,883,000 |
| Equity capital | 8,526,000 | 8,670,000 | 8,888,000 | 8,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 712,000 | 1,414,000 | 2,145,000 | 2,836,000 |
| Interest expense | 105,000 | 205,000 | 304,000 | 405,000 |
| Net interest income | 607,000 | 1,209,000 | 1,841,000 | 2,431,000 |
| Noninterest income | 59,000 | 125,000 | 181,000 | 219,000 |
| Noninterest expense | 306,000 | 673,000 | 1,031,000 | 1,369,000 |
| Provision for loan losses | 93,000 | 134,000 | 186,000 | 211,000 |
| Pretax income | 267,000 | 527,000 | 805,000 | 1,070,000 |
| Income tax | 73,000 | 158,000 | 239,000 | 324,000 |
| Net income | 194,000 | 369,000 | 566,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,466,000 | 8,643,000 | 8,857,000 | 8,688,000 |
| Total capital | 9,151,000 | 9,280,000 | 9,532,000 | 9,270,000 |
| Risk-weighted assets | 45,113,000 | 50,902,000 | 56,932,000 | 52,207,000 |