Call reports 2025
HURON VALLEY STATE BANK — 2025
What HURON VALLEY STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 247,489,000 | 253,458,000 | 261,050,000 | 270,369,000 |
| Total loans | 189,612,000 | 199,564,000 | 207,423,000 | 228,763,000 |
| Allowance for loan losses | 2,688,000 | 2,698,000 | 2,743,000 | 2,873,000 |
| Securities available for sale | 19,081,000 | 15,679,000 | 16,546,000 | 17,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,221,000 | 224,565,000 | 231,413,000 | 237,003,000 |
| Interest-bearing deposits | 135,747,000 | 137,052,000 | 147,789,000 | 150,098,000 |
| Noninterest-bearing deposits | 84,474,000 | 87,513,000 | 83,624,000 | 86,905,000 |
| Equity capital | 26,316,000 | 27,209,000 | 28,072,000 | 26,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,386,000 | 6,853,000 | 10,442,000 | 14,205,000 |
| Interest expense | 920,000 | 1,853,000 | 2,840,000 | 3,878,000 |
| Net interest income | 2,466,000 | 5,000,000 | 7,602,000 | 10,327,000 |
| Noninterest income | 120,000 | 702,000 | 897,000 | 1,084,000 |
| Noninterest expense | 1,745,000 | 3,629,000 | 5,549,000 | 7,473,000 |
| Provision for loan losses | 45,000 | 55,000 | 100,000 | 230,000 |
| Pretax income | 796,000 | 1,983,000 | 2,815,000 | 3,758,000 |
| Income tax | 167,000 | 417,000 | 592,000 | 790,000 |
| Net income | 629,000 | 1,566,000 | 2,223,000 | 2,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,282,000 | 28,200,000 | 28,802,000 | 27,568,000 |
| Total capital | 29,893,000 | 30,898,000 | 31,545,000 | 30,441,000 |
| Risk-weighted assets | 208,805,000 | 219,782,000 | 231,349,000 | 255,004,000 |