Call reports 2018
HURON STATE BANK — 2018
What HURON STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 63,869,000 | 62,011,000 | 65,458,000 | 63,279,000 |
| Total loans | 40,141,000 | 39,365,000 | 38,646,000 | 38,328,000 |
| Allowance for loan losses | 375,000 | 366,000 | 459,000 | 401,000 |
| Securities available for sale | 3,651,000 | 3,585,000 | 3,385,000 | 3,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,336,000 | 52,314,000 | 55,660,000 | 53,381,000 |
| Interest-bearing deposits | 44,222,000 | 42,437,000 | 45,346,000 | 43,235,000 |
| Noninterest-bearing deposits | 10,115,000 | 9,878,000 | 10,314,000 | 10,146,000 |
| Equity capital | 9,480,000 | 9,489,000 | 9,611,000 | 9,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 670,000 | 1,351,000 | 2,032,000 | 2,741,000 |
| Interest expense | 85,000 | 172,000 | 257,000 | 343,000 |
| Net interest income | 585,000 | 1,179,000 | 1,775,000 | 2,398,000 |
| Noninterest income | 47,000 | 73,000 | 112,000 | 135,000 |
| Noninterest expense | 400,000 | 831,000 | 1,244,000 | 1,689,000 |
| Provision for loan losses | 0 | 145,000 | 170,000 | 219,000 |
| Pretax income | 232,000 | 276,000 | 473,000 | 625,000 |
| Income tax | 42,000 | 72,000 | 114,000 | 143,000 |
| Net income | 190,000 | 204,000 | 359,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,470,000 | 9,473,000 | 9,583,000 | 9,746,000 |
| Total capital | 9,845,000 | 9,839,000 | 10,042,000 | 10,147,000 |
| Risk-weighted assets | 47,068,000 | 45,670,000 | 45,203,000 | 45,382,000 |