Call reports 2022
HURON STATE BANK — 2022
What HURON STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 76,077,000 | 76,837,000 | 82,919,000 | 78,725,000 |
| Total loans | 38,833,000 | 41,825,000 | 44,080,000 | 47,683,000 |
| Allowance for loan losses | 546,000 | 559,000 | 579,000 | 609,000 |
| Securities available for sale | 18,144,000 | 17,480,000 | 16,240,000 | 15,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,534,000 | 67,704,000 | 74,016,000 | 69,319,000 |
| Interest-bearing deposits | 51,805,000 | 51,407,000 | 56,276,000 | 52,466,000 |
| Noninterest-bearing deposits | 14,729,000 | 16,297,000 | 17,740,000 | 16,854,000 |
| Equity capital | 9,460,000 | 9,030,000 | 8,785,000 | 9,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 605,000 | 1,262,000 | 1,993,000 | 2,799,000 |
| Interest expense | 62,000 | 123,000 | 188,000 | 252,000 |
| Net interest income | 543,000 | 1,139,000 | 1,805,000 | 2,547,000 |
| Noninterest income | 102,000 | 141,000 | 185,000 | 276,000 |
| Noninterest expense | 431,000 | 845,000 | 1,276,000 | 1,711,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 85,000 |
| Pretax income | 214,000 | 435,000 | 679,000 | 1,027,000 |
| Income tax | 26,000 | 49,000 | 79,000 | 159,000 |
| Net income | 188,000 | 386,000 | 600,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,390,000 | 10,302,000 | 10,516,000 | 10,784,000 |