Call reports 2022
HURON VALLEY STATE BANK — 2022
What HURON VALLEY STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 242,021,000 | 243,724,000 | 243,522,000 | 228,141,000 |
| Total loans | 138,843,000 | 136,426,000 | 140,686,000 | 150,166,000 |
| Allowance for loan losses | 1,863,000 | 1,893,000 | 1,923,000 | 1,953,000 |
| Securities available for sale | 8,143,000 | 17,215,000 | 22,066,000 | 21,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,849,000 | 224,894,000 | 224,325,000 | 207,645,000 |
| Interest-bearing deposits | 113,339,000 | 119,403,000 | 117,845,000 | 103,832,000 |
| Noninterest-bearing deposits | 109,510,000 | 105,491,000 | 106,480,000 | 103,813,000 |
| Equity capital | 18,806,000 | 18,410,000 | 18,743,000 | 20,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,514,000 | 5,752,000 | 8,426,000 |
| Interest expense | 52,000 | 107,000 | 232,000 | 560,000 |
| Net interest income | 1,641,000 | 3,407,000 | 5,520,000 | 7,866,000 |
| Noninterest income | 127,000 | 254,000 | 393,000 | 523,000 |
| Noninterest expense | 1,356,000 | 2,704,000 | 4,132,000 | 5,685,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 382,000 | 897,000 | 1,691,000 | 2,584,000 |
| Income tax | 80,000 | 188,000 | 355,000 | 543,000 |
| Net income | 302,000 | 709,000 | 1,336,000 | 2,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,359,000 | 19,468,000 | 20,100,000 | 21,247,000 |
| Total capital | 21,096,000 | 21,212,000 | 21,916,000 | 23,146,000 |
| Risk-weighted assets | 138,858,000 | 139,337,000 | 145,209,000 | 151,876,000 |