Call reports 2009
HURON VALLEY STATE BANK — 2009
What HURON VALLEY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 42,771,000 | 45,636,000 | 48,018,000 | 48,696,000 |
| Total loans | 31,241,000 | 36,005,000 | 36,718,000 | 40,777,000 |
| Allowance for loan losses | 333,000 | 409,000 | 450,000 | 562,000 |
| Securities available for sale | 3,640,000 | 3,462,000 | 3,108,000 | 2,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,749,000 | 39,802,000 | 42,229,000 | 43,148,000 |
| Interest-bearing deposits | 32,015,000 | 33,983,000 | 35,541,000 | 36,015,000 |
| Noninterest-bearing deposits | 4,734,000 | 5,819,000 | 6,688,000 | 7,133,000 |
| Equity capital | 5,834,000 | 5,648,000 | 5,588,000 | 5,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 507,000 | 1,049,000 | 1,659,000 | 2,300,000 |
| Interest expense | 218,000 | 417,000 | 611,000 | 775,000 |
| Net interest income | 289,000 | 632,000 | 1,048,000 | 1,525,000 |
| Noninterest income | 16,000 | 36,000 | 60,000 | 90,000 |
| Noninterest expense | 435,000 | 889,000 | 1,388,000 | 1,790,000 |
| Provision for loan losses | 21,000 | 97,000 | 138,000 | 428,000 |
| Pretax income | -112,000 | -279,000 | -353,000 | -538,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -112,000 | -279,000 | -353,000 | -538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,765,000 | 5,601,000 | 5,531,000 | 5,349,000 |
| Total capital | 6,098,000 | 6,010,000 | 5,982,000 | 5,890,000 |
| Risk-weighted assets | 33,799,000 | 38,189,000 | 38,784,000 | 43,252,000 |