Call reports 2005
HURON VALLEY STATE BANK — 2005
What HURON VALLEY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Total assets | 11,029,000 | 13,518,000 |
| Total loans | 2,228,000 | 3,109,000 |
| Allowance for loan losses | 23,000 | 32,000 |
| Securities available for sale | 3,943,000 | 6,439,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 2,996,000 | 5,741,000 |
| Interest-bearing deposits | 2,521,000 | 5,239,000 |
| Noninterest-bearing deposits | 475,000 | 502,000 |
| Equity capital | 7,958,000 | 7,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Interest income | 53,000 | 200,000 |
| Interest expense | 7,000 | 49,000 |
| Net interest income | 46,000 | 151,000 |
| Noninterest income | 6,000 | 5,000 |
| Noninterest expense | 204,000 | 434,000 |
| Provision for loan losses | 23,000 | 32,000 |
| Pretax income | -175,000 | -310,000 |
| Income tax | -51,000 | 1,000 |
| Net income | -124,000 | -311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Tier 1 capital | 7,963,000 | 7,771,000 |
| Total capital | 7,986,000 | 7,803,000 |
| Risk-weighted assets | 4,288,000 | 5,643,000 |
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