Call reports 2018
HURON VALLEY STATE BANK — 2018
What HURON VALLEY STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 139,967,000 | 147,753,000 | 148,325,000 | 150,845,000 |
| Total loans | 124,810,000 | 132,001,000 | 129,236,000 | 132,286,000 |
| Allowance for loan losses | 1,385,000 | 1,430,000 | 1,475,000 | 1,520,000 |
| Securities available for sale | 2,091,000 | 1,899,000 | 1,852,000 | 1,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,488,000 | 132,804,000 | 132,986,000 | 135,260,000 |
| Interest-bearing deposits | 78,818,000 | 82,823,000 | 82,925,000 | 82,421,000 |
| Noninterest-bearing deposits | 46,670,000 | 49,981,000 | 50,061,000 | 52,839,000 |
| Equity capital | 14,160,000 | 14,576,000 | 14,983,000 | 15,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,527,000 | 3,170,000 | 4,912,000 | 6,690,000 |
| Interest expense | 145,000 | 328,000 | 555,000 | 790,000 |
| Net interest income | 1,382,000 | 2,842,000 | 4,357,000 | 5,900,000 |
| Noninterest income | 105,000 | 213,000 | 327,000 | 447,000 |
| Noninterest expense | 975,000 | 1,919,000 | 2,929,000 | 3,947,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 467,000 | 1,046,000 | 1,620,000 | 2,220,000 |
| Income tax | 98,000 | 220,000 | 340,000 | 466,000 |
| Net income | 369,000 | 826,000 | 1,280,000 | 1,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,135,000 | 14,557,000 | 14,973,000 | 15,283,000 |
| Total capital | 15,521,000 | 15,987,000 | 16,448,000 | 16,803,000 |
| Risk-weighted assets | 126,935,000 | 133,587,000 | 130,438,000 | 133,146,000 |