Call reports 2013
HURON VALLEY STATE BANK — 2013
What HURON VALLEY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 83,997,000 | 84,196,000 | 86,756,000 | 91,808,000 |
| Total loans | 60,469,000 | 62,490,000 | 66,831,000 | 70,035,000 |
| Allowance for loan losses | 943,000 | 897,000 | 899,000 | 907,000 |
| Securities available for sale | 5,159,000 | 4,626,000 | 4,338,000 | 4,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,142,000 | 74,252,000 | 76,637,000 | 81,559,000 |
| Interest-bearing deposits | 53,684,000 | 51,582,000 | 52,356,000 | 54,566,000 |
| Noninterest-bearing deposits | 20,458,000 | 22,670,000 | 24,281,000 | 26,993,000 |
| Equity capital | 9,687,000 | 9,757,000 | 9,928,000 | 10,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,617,000 | 2,491,000 | 3,401,000 |
| Interest expense | 71,000 | 138,000 | 203,000 | 268,000 |
| Net interest income | 721,000 | 1,479,000 | 2,288,000 | 3,133,000 |
| Noninterest income | 65,000 | 147,000 | 264,000 | 343,000 |
| Noninterest expense | 662,000 | 1,316,000 | 1,994,000 | 2,649,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 30,000 |
| Pretax income | 124,000 | 280,000 | 528,000 | 797,000 |
| Income tax | 42,000 | 95,000 | 179,000 | 271,000 |
| Net income | 82,000 | 185,000 | 349,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,392,000 | 9,543,000 | 9,875,000 | 10,106,000 |
| Total capital | 10,195,000 | 10,363,000 | 10,750,000 | 11,007,000 |
| Risk-weighted assets | 63,396,000 | 65,566,000 | 69,286,000 | 72,115,000 |