Call reports 2021
HURON VALLEY STATE BANK — 2021
What HURON VALLEY STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 209,692,000 | 223,229,000 | 230,195,000 | 237,116,000 |
| Total loans | 160,672,000 | 154,779,000 | 146,896,000 | 139,540,000 |
| Allowance for loan losses | 1,683,000 | 1,773,000 | 1,803,000 | 1,833,000 |
| Securities available for sale | 4,324,000 | 10,313,000 | 9,643,000 | 9,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,469,000 | 204,650,000 | 211,066,000 | 217,964,000 |
| Interest-bearing deposits | 106,472,000 | 110,728,000 | 110,855,000 | 109,256,000 |
| Noninterest-bearing deposits | 84,997,000 | 93,922,000 | 100,211,000 | 108,708,000 |
| Equity capital | 18,023,000 | 18,341,000 | 18,852,000 | 18,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,751,000 | 3,579,000 | 5,412,000 | 7,358,000 |
| Interest expense | 103,000 | 189,000 | 266,000 | 330,000 |
| Net interest income | 1,648,000 | 3,390,000 | 5,146,000 | 7,028,000 |
| Noninterest income | 140,000 | 320,000 | 479,000 | 630,000 |
| Noninterest expense | 1,088,000 | 2,290,000 | 3,497,000 | 4,743,000 |
| Provision for loan losses | 90,000 | 180,000 | 210,000 | 240,000 |
| Pretax income | 610,000 | 1,240,000 | 1,918,000 | 2,675,000 |
| Income tax | 128,000 | 260,000 | 403,000 | 561,000 |
| Net income | 482,000 | 980,000 | 1,515,000 | 2,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,088,000 | 18,353,000 | 18,892,000 | 19,051,000 |
| Total capital | 21,258,000 | 19,975,000 | 20,527,000 | 20,740,000 |
| Risk-weighted assets | 126,593,000 | 129,574,000 | 130,685,000 | 134,966,000 |