Call reports 2015
HURON VALLEY STATE BANK — 2015
What HURON VALLEY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 104,204,000 | 106,519,000 | 112,583,000 | 115,921,000 |
| Total loans | 89,687,000 | 92,983,000 | 98,260,000 | 106,044,000 |
| Allowance for loan losses | 1,097,000 | 1,114,000 | 1,130,000 | 1,174,000 |
| Securities available for sale | 3,226,000 | 2,912,000 | 3,227,000 | 3,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,750,000 | 95,017,000 | 99,848,000 | 102,004,000 |
| Interest-bearing deposits | 58,964,000 | 59,267,000 | 62,485,000 | 62,960,000 |
| Noninterest-bearing deposits | 32,786,000 | 35,750,000 | 37,363,000 | 39,044,000 |
| Equity capital | 11,034,000 | 11,276,000 | 11,563,000 | 11,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,213,000 | 3,417,000 | 4,653,000 |
| Interest expense | 75,000 | 150,000 | 230,000 | 315,000 |
| Net interest income | 1,017,000 | 2,063,000 | 3,187,000 | 4,338,000 |
| Noninterest income | 134,000 | 276,000 | 391,000 | 524,000 |
| Noninterest expense | 782,000 | 1,566,000 | 2,377,000 | 3,176,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 90,000 |
| Pretax income | 354,000 | 743,000 | 1,156,000 | 1,596,000 |
| Income tax | 114,000 | 241,000 | 375,000 | 519,000 |
| Net income | 240,000 | 502,000 | 781,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,886,000 | 11,245,000 | 11,527,000 | 11,760,000 |
| Total capital | 11,983,000 | 12,359,000 | 12,657,000 | 12,934,000 |
| Risk-weighted assets | 95,574,000 | 97,707,000 | 104,433,000 | 110,659,000 |