Huron Community Bank

301 North Newman Street
East Tawas, MI 48730
www.bankhcb.com

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Huron Community Bank is headquartered in East Tawas and is the 70^th largest bank in the state of Michigan. It is also the 3,367^th largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 59 employees at 6 locations. Huron Community Bank's savings rates are 92% higher than the national average, and it has a 3-star health rating.

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See Rates for: Savings | Money Market | CD | IRA

Huron Community Bank Savings Account Rates

Apy	Min	Max	Product
1.00%	$10k	-	Community Health Savings Account
0.10%	$100	-	Personal Community Savings
0.10%	$100	-	Business Community Savings

Huron Community Bank Money Market Rates

Apy	Min	Max	Product
0.40%	$100k	-	Community Cash Management Account
0.14%	$75k	-	Non-Personal Money Market Account
0.11%	$10k	-	Public Funds Money Market Account

Huron Community Bank CD Rates

Apy	Min	Max	Product
1.55%	$1k	-	59 Month CD Special
1.55%	$1k	-	Business 59 Month CD Special
1.36%	$1k	-	60 Month Standard CD
1.36%	$1k	-	Business 60 Month Standard CD
1.23%	$1k	-	48 -59 Month Standard CD
1.23%	$1k	-	Business 48 -59 Month Standard CD
1.00%	$1k	-	37 Month CD Special
1.00%	$1k	-	Business 37 Month CD Special
0.80%	$1k	-	36 -47 Month Standard CD
0.80%	$1k	-	Business 36 -47 Month Standard CD
0.70%	$1k	-	23 Month CD Special
0.70%	$1k	-	Business 23 Month CD Special
0.60%	$1k	-	24 -35 Month Standard CD
0.60%	$1k	-	Business 24 -35 Month Standard CD
0.52%	$1k	-	13 Month CD Special
0.52%	$1k	-	Business 13 Month CD Special
0.39%	$1k	-	12 -23 Month Standard CD
0.39%	$1k	-	Business 12 -23 Month Standard CD
0.31%	$1k	-	7 Month CD Special
0.31%	$1k	-	Business 7 Month CD Special
0.25%	$1k	-	6 - 11 Month Standard CD
0.25%	$1k	-	Business 6 - 11 Month Standard CD
0.20%	$1k	-	90 Day Standard CD
0.20%	$1k	-	Business 90 Day Standard CD
0.15%	$1k	-	30 Day Standard CD
0.15%	$1k	-	Business 30 Day Standard CD

Huron Community Bank IRA Rates

Apy	Min	Max	Product
1.75%	$500	-	60 Month Standard IRA
1.75%	$500	-	Business 60 Month Standard IRA
1.55%	$500	-	59 Month IRA Special
1.55%	$500	-	Business 59 Month IRA Special
1.45%	$500	-	48 - 59 Month Standard IRA
1.45%	$500	-	Business 48 - 59 Month Standard IRA
1.11%	$500	-	36 - 47 Month Standard IRA
1.11%	$500	-	Business 36 - 47 Month Standard IRA
1.00%	$500	-	37 Month IRA Special
1.00%	$500	-	Business 37 Month IRA Special
0.80%	$500	-	24 - 35 Month Standard IRA
0.80%	$500	-	Business 24 - 35 Month Standard IRA
0.70%	$500	-	23 Month IRA Special
0.70%	$500	-	Business 23 Month IRA Special
0.52%	$500	-	13 Month IRA Special
0.52%	$500	-	12 -23 Month Standard IRA
0.52%	$500	-	Business 12 - 23 Month Standard IRA
0.52%	$500	-	Business 13 Month IRA Special

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Huron Community Bank
FDIC Certificate #	11810
BankRate Report	View
Year Established	1927
Employees	59
Primary Regulator	FED
Assets and Liabilities
Assets	$181.35 million
Loans	$128.71 million
Deposits	$147.86 million
Equity Capital	$22.26 million
Loan Loss Allowance	$1.96 million
Unbacked Noncurrent Loans	$3.88 million
Real Estate Owned	$2.58 million
Historic Data - March 2011
Assets	$186.56 million
Equity Capital	$21.09 million
Loan Loss Allowance	$2.28 million
Unbacked Noncurrent Loans	$3.55 million
Real Estate Owned	$1.72 million
Profit Margin - Quarterly
Net Interest Margin	4.33%
Return on Assets	0.89%
Return on Equity	7.28%
Interest Income	$2.01 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Huron Community Bank had $6.47 million in non-current loans and owned real-estate with $24.22 million in equity and loan loss allowances on hand to cover it. This gives Huron Community Bank a Texas Ratio of 26.70% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Huron Community Bank held steady from 22.55% as of March 31, 2011 to 26.70% as of March 31, 2012, resulting in a negative change of 18.38%. This indicates that the balance sheet and financial strength for Huron Community Bank has held steady in recent periods.
Deposit Growth
In the past year, Huron Community Bank has decreased its total deposits by -$3.13 million, resulting in -2.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Huron Community Bank has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Huron Community Bank has $181.34 million in assets with $24.22 million in equity, resulting in a capitalization level of 13.36%, which is excellent.

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