Call reports 2025
HURON STATE BANK — 2025
What HURON STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 88,485,000 | 88,856,000 | 96,853,000 | 94,637,000 |
| Total loans | 54,643,000 | 55,747,000 | 58,012,000 | 61,153,000 |
| Allowance for loan losses | 813,000 | 828,000 | 847,000 | 791,000 |
| Securities available for sale | 12,384,000 | 12,652,000 | 11,456,000 | 11,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,678,000 | 76,988,000 | 84,803,000 | 82,201,000 |
| Interest-bearing deposits | 60,759,000 | 60,172,000 | 68,034,000 | 66,228,000 |
| Noninterest-bearing deposits | 15,919,000 | 16,816,000 | 16,769,000 | 15,973,000 |
| Equity capital | 10,287,000 | 10,589,000 | 10,874,000 | 11,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 989,000 | 2,041,000 | 3,103,000 | 4,298,000 |
| Interest expense | 282,000 | 583,000 | 906,000 | 1,269,000 |
| Net interest income | 707,000 | 1,458,000 | 2,197,000 | 3,029,000 |
| Noninterest income | 45,000 | 83,000 | 143,000 | 190,000 |
| Noninterest expense | 550,000 | 1,090,000 | 1,665,000 | 2,117,000 |
| Provision for loan losses | -17,000 | -17,000 | -17,000 | -16,000 |
| Pretax income | 219,000 | 468,000 | 692,000 | 1,124,000 |
| Income tax | -55,000 | 32,000 | 72,000 | 158,000 |
| Net income | 274,000 | 436,000 | 620,000 | 966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,171,000 | 11,532,000 | 11,689,000 | 11,803,000 |