Call reports 2006
HURON VALLEY STATE BANK — 2006
What HURON VALLEY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 16,812,000 | 20,014,000 | 27,706,000 | 27,865,000 |
| Total loans | 6,065,000 | 7,102,000 | 10,665,000 | 13,064,000 |
| Allowance for loan losses | 61,000 | 72,000 | 111,000 | 131,000 |
| Securities available for sale | 8,521,000 | 8,277,000 | 8,284,000 | 8,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,196,000 | 12,583,000 | 20,280,000 | 20,330,000 |
| Interest-bearing deposits | 8,311,000 | 11,322,000 | 18,728,000 | 19,009,000 |
| Noninterest-bearing deposits | 885,000 | 1,261,000 | 1,552,000 | 1,321,000 |
| Equity capital | 7,533,000 | 7,282,000 | 7,255,000 | 7,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 213,000 | 490,000 | 818,000 | 1,244,000 |
| Interest expense | 73,000 | 191,000 | 384,000 | 642,000 |
| Net interest income | 140,000 | 299,000 | 434,000 | 602,000 |
| Noninterest income | 3,000 | 6,000 | 10,000 | 14,000 |
| Noninterest expense | 268,000 | 544,000 | 789,000 | 1,035,000 |
| Provision for loan losses | 29,000 | 40,000 | 79,000 | 99,000 |
| Pretax income | -154,000 | -279,000 | -424,000 | -518,000 |
| Income tax | -1,000 | 4,000 | 7,000 | 10,000 |
| Net income | -153,000 | -283,000 | -431,000 | -528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,629,000 | 7,496,000 | 7,351,000 | 7,256,000 |
| Total capital | 7,690,000 | 7,568,000 | 7,462,000 | 7,387,000 |
| Risk-weighted assets | 8,992,000 | 9,986,000 | 15,906,000 | 17,923,000 |