Call reports 2011
HURON VALLEY STATE BANK — 2011
What HURON VALLEY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 59,619,000 | 63,759,000 | 68,846,000 | 70,664,000 |
| Total loans | 49,789,000 | 52,365,000 | 52,614,000 | 54,148,000 |
| Allowance for loan losses | 833,000 | 824,000 | 924,000 | 801,000 |
| Securities available for sale | 2,304,000 | 3,263,000 | 5,217,000 | 4,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,744,000 | 57,810,000 | 60,200,000 | 62,022,000 |
| Interest-bearing deposits | 44,035,000 | 46,517,000 | 48,341,000 | 48,780,000 |
| Noninterest-bearing deposits | 9,709,000 | 11,293,000 | 11,859,000 | 13,242,000 |
| Equity capital | 5,739,000 | 5,777,000 | 8,425,000 | 8,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 726,000 | 1,465,000 | 2,276,000 | 3,092,000 |
| Interest expense | 120,000 | 243,000 | 360,000 | 462,000 |
| Net interest income | 606,000 | 1,222,000 | 1,916,000 | 2,630,000 |
| Noninterest income | 46,000 | 100,000 | 153,000 | 212,000 |
| Noninterest expense | 521,000 | 1,069,000 | 1,646,000 | 2,205,000 |
| Provision for loan losses | 60,000 | 135,000 | 235,000 | 315,000 |
| Pretax income | 71,000 | 118,000 | 188,000 | 322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 71,000 | 118,000 | 188,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,646,000 | 5,693,000 | 8,360,000 | 8,494,000 |
| Total capital | 6,283,000 | 6,377,000 | 9,041,000 | 9,194,000 |
| Risk-weighted assets | 50,399,000 | 53,880,000 | 54,225,000 | 55,793,000 |