Call reports 2019
HURON STATE BANK — 2019
What HURON STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 62,689,000 | 61,350,000 | 63,922,000 | 62,513,000 |
| Total loans | 38,023,000 | 37,325,000 | 36,916,000 | 35,996,000 |
| Allowance for loan losses | 465,000 | 342,000 | 443,000 | 440,000 |
| Securities available for sale | 3,615,000 | 3,750,000 | 3,746,000 | 3,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,042,000 | 51,548,000 | 54,144,000 | 52,586,000 |
| Interest-bearing deposits | 43,556,000 | 41,279,000 | 42,583,000 | 41,254,000 |
| Noninterest-bearing deposits | 9,487,000 | 10,268,000 | 11,560,000 | 11,332,000 |
| Equity capital | 9,527,000 | 9,648,000 | 9,643,000 | 9,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,344,000 | 2,008,000 | 2,661,000 |
| Interest expense | 84,000 | 167,000 | 249,000 | 333,000 |
| Net interest income | 572,000 | 1,177,000 | 1,759,000 | 2,328,000 |
| Noninterest income | 0 | 42,000 | 65,000 | 97,000 |
| Noninterest expense | 460,000 | 900,000 | 1,340,000 | 1,749,000 |
| Provision for loan losses | 60,000 | 146,000 | 285,000 | 264,000 |
| Pretax income | 52,000 | 173,000 | 199,000 | 412,000 |
| Income tax | 15,000 | 44,000 | 72,000 | 72,000 |
| Net income | 37,000 | 129,000 | 127,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,546,000 | 9,703,000 | 9,707,000 | 9,789,000 |
| Total capital | 10,011,000 | 10,045,000 | 10,150,000 | 10,229,000 |
| Risk-weighted assets | 44,878,000 | 43,974,000 | 37,403,000 | 42,634,000 |