Call reports 2017
HURON STATE BANK — 2017
What HURON STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 61,223,000 | 61,024,000 | 64,970,000 | 63,563,000 |
| Total loans | 43,435,000 | 42,686,000 | 42,750,000 | 41,711,000 |
| Allowance for loan losses | 451,000 | 525,000 | 534,000 | 384,000 |
| Securities available for sale | 3,767,000 | 3,730,000 | 3,720,000 | 3,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,426,000 | 52,031,000 | 55,767,000 | 53,908,000 |
| Interest-bearing deposits | 43,836,000 | 43,171,000 | 45,187,000 | 44,233,000 |
| Noninterest-bearing deposits | 8,590,000 | 8,860,000 | 10,581,000 | 9,674,000 |
| Equity capital | 8,737,000 | 8,914,000 | 9,123,000 | 9,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 699,000 | 1,368,000 | 2,069,000 | 2,758,000 |
| Interest expense | 89,000 | 179,000 | 269,000 | 357,000 |
| Net interest income | 610,000 | 1,189,000 | 1,800,000 | 2,401,000 |
| Noninterest income | 40,000 | 77,000 | 117,000 | 147,000 |
| Noninterest expense | 348,000 | 746,000 | 1,186,000 | 1,602,000 |
| Provision for loan losses | 650,000 | 690,000 | 690,000 | 196,000 |
| Pretax income | -348,000 | -170,000 | 41,000 | 750,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 220,000 |
| Net income | -351,000 | -176,000 | 32,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,737,000 | 8,951,000 | 9,161,000 | 9,598,000 |
| Total capital | 9,188,000 | 9,476,000 | 9,696,000 | 9,982,000 |
| Risk-weighted assets | 50,683,000 | 49,428,000 | 48,927,000 | 47,829,000 |