Call reports 2007
HURON VALLEY STATE BANK — 2007
What HURON VALLEY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 25,632,000 | 28,266,000 | 27,556,000 | 31,098,000 |
| Total loans | 14,654,000 | 14,926,000 | 15,543,000 | 16,950,000 |
| Allowance for loan losses | 148,000 | 151,000 | 156,000 | 190,000 |
| Securities available for sale | 7,626,000 | 7,392,000 | 6,377,000 | 5,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,275,000 | 21,218,000 | 20,564,000 | 24,195,000 |
| Interest-bearing deposits | 16,877,000 | 18,834,000 | 18,520,000 | 20,849,000 |
| Noninterest-bearing deposits | 1,398,000 | 2,384,000 | 2,044,000 | 3,346,000 |
| Equity capital | 7,061,000 | 6,827,000 | 6,811,000 | 6,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 420,000 | 852,000 | 1,275,000 | 1,708,000 |
| Interest expense | 224,000 | 449,000 | 675,000 | 932,000 |
| Net interest income | 196,000 | 403,000 | 600,000 | 776,000 |
| Noninterest income | 6,000 | 15,000 | 25,000 | 39,000 |
| Noninterest expense | 350,000 | 716,000 | 1,036,000 | 1,379,000 |
| Provision for loan losses | 17,000 | 20,000 | 25,000 | 59,000 |
| Pretax income | -165,000 | -318,000 | -436,000 | -623,000 |
| Income tax | -2,000 | -6,000 | 0 | 0 |
| Net income | -163,000 | -312,000 | -436,000 | -623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,097,000 | 6,953,000 | 6,833,000 | 6,653,000 |
| Total capital | 7,245,000 | 7,104,000 | 6,989,000 | 6,843,000 |
| Risk-weighted assets | 18,289,000 | 18,841,000 | 19,096,000 | 21,312,000 |