Call reports 2010
HURON VALLEY STATE BANK — 2010
What HURON VALLEY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 53,466,000 | 53,763,000 | 56,505,000 | 58,293,000 |
| Total loans | 42,032,000 | 44,540,000 | 48,057,000 | 49,218,000 |
| Allowance for loan losses | 587,000 | 644,000 | 734,000 | 804,000 |
| Securities available for sale | 2,854,000 | 2,711,000 | 2,571,000 | 2,419,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,869,000 | 48,077,000 | 50,816,000 | 52,532,000 |
| Interest-bearing deposits | 38,830,000 | 38,678,000 | 41,778,000 | 41,869,000 |
| Noninterest-bearing deposits | 9,039,000 | 9,399,000 | 9,038,000 | 10,663,000 |
| Equity capital | 5,437,000 | 5,507,000 | 5,536,000 | 5,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,314,000 | 2,023,000 | 2,780,000 |
| Interest expense | 148,000 | 291,000 | 426,000 | 554,000 |
| Net interest income | 487,000 | 1,023,000 | 1,597,000 | 2,226,000 |
| Noninterest income | 29,000 | 64,000 | 107,000 | 152,000 |
| Noninterest expense | 465,000 | 941,000 | 1,435,000 | 1,912,000 |
| Provision for loan losses | 25,000 | 95,000 | 185,000 | 255,000 |
| Pretax income | 26,000 | 51,000 | 84,000 | 211,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 26,000 | 51,000 | 84,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,379,000 | 5,407,000 | 5,445,000 | 5,575,000 |
| Total capital | 5,949,000 | 6,006,000 | 6,084,000 | 6,226,000 |
| Risk-weighted assets | 45,597,000 | 47,835,000 | 50,995,000 | 51,957,000 |