Call reports 2017
HURON VALLEY STATE BANK — 2017
What HURON VALLEY STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 139,023,000 | 139,078,000 | 140,771,000 | 140,725,000 |
| Total loans | 121,665,000 | 122,046,000 | 120,715,000 | 121,918,000 |
| Allowance for loan losses | 1,247,000 | 1,278,000 | 1,309,000 | 1,339,000 |
| Securities available for sale | 2,411,000 | 2,247,000 | 2,203,000 | 2,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,933,000 | 125,515,000 | 126,862,000 | 126,594,000 |
| Interest-bearing deposits | 85,148,000 | 83,862,000 | 79,895,000 | 79,371,000 |
| Noninterest-bearing deposits | 40,785,000 | 41,653,000 | 46,967,000 | 47,223,000 |
| Equity capital | 12,929,000 | 13,321,000 | 13,704,000 | 13,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,383,000 | 2,868,000 | 4,382,000 | 5,929,000 |
| Interest expense | 109,000 | 251,000 | 391,000 | 532,000 |
| Net interest income | 1,274,000 | 2,617,000 | 3,991,000 | 5,397,000 |
| Noninterest income | 123,000 | 245,000 | 380,000 | 501,000 |
| Noninterest expense | 924,000 | 1,848,000 | 2,769,000 | 3,698,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 443,000 | 954,000 | 1,512,000 | 2,080,000 |
| Income tax | 146,000 | 315,000 | 499,000 | 826,000 |
| Net income | 297,000 | 639,000 | 1,013,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,897,000 | 13,250,000 | 13,638,000 | 13,845,000 |
| Total capital | 14,144,000 | 14,528,000 | 14,947,000 | 15,184,000 |
| Risk-weighted assets | 122,783,000 | 121,155,000 | 123,801,000 | 120,717,000 |