Call reports 2019
HURON VALLEY STATE BANK — 2019
What HURON VALLEY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 154,389,000 | 157,462,000 | 159,451,000 | 155,677,000 |
| Total loans | 129,426,000 | 135,525,000 | 134,026,000 | 135,282,000 |
| Allowance for loan losses | 1,550,000 | 1,580,000 | 1,610,000 | 1,229,000 |
| Securities available for sale | 1,830,000 | 1,824,000 | 1,731,000 | 1,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,500,000 | 141,174,000 | 142,808,000 | 138,912,000 |
| Interest-bearing deposits | 85,778,000 | 89,992,000 | 89,832,000 | 90,403,000 |
| Noninterest-bearing deposits | 52,722,000 | 51,182,000 | 52,976,000 | 48,509,000 |
| Equity capital | 15,506,000 | 15,864,000 | 16,247,000 | 16,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,774,000 | 3,601,000 | 5,483,000 | 7,327,000 |
| Interest expense | 249,000 | 509,000 | 781,000 | 1,046,000 |
| Net interest income | 1,525,000 | 3,092,000 | 4,702,000 | 6,281,000 |
| Noninterest income | 110,000 | 256,000 | 410,000 | 566,000 |
| Noninterest expense | 1,059,000 | 2,169,000 | 3,297,000 | 4,410,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 546,000 | 1,119,000 | 1,725,000 | 2,317,000 |
| Income tax | 109,000 | 224,000 | 345,000 | 463,000 |
| Net income | 437,000 | 895,000 | 1,380,000 | 1,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,483,000 | 15,833,000 | 16,217,000 | 16,559,000 |
| Total capital | 17,033,000 | 17,414,000 | 17,827,000 | 17,788,000 |
| Risk-weighted assets | 130,926,000 | 135,656,000 | 135,170,000 | 135,463,000 |