Money Smart Week, a nationally-sponsored campaign dedicated to helping families better manage their financial resources is held the last week of April. To support this program, Huron Valley State Bank hosted a poster contest for elementary age students in the Huron Valley district and presented a segment on financial literacy to families at the Highland White Lake Business Association’s Money Camp.

Huron Valley State Bank (HVSB) and three local elementary schools, Spring Mills, Johnson, and Heritage celebrated the success of the Bank-At-School program. This is a student-run bank located inside of the school that teaches hands-on financial literacy, money management, and provides for real life banking experience. Students applied and interviewed for positions earlier in the year, and were trained for actual banking positions to accept money from their fellow classmates to deposit into the bank. The schools celebrate the end of the year program with a ceremonial pizza party where all student bank customers and bankers enjoy food, fun and fellowship.

Huron Valley State Bank is pleased to announce the partnership with Heritage Elementary School for the "Bank at School" program. The bank opened for business on Friday, October 21st after a ceremonial Ribbon Cutting at 9:15 am, and will operate the third Friday of every month. This is the third elementary school partnership for Huron Valley State Bank.

Huron Valley State Bank (HVSB) and the Cygnet Institute partnered to offer a comprehensive adult financial literacy program for the community through the area libraries in the fall of 2015. To continue this partnership in 2016, the Waterford Public Library, Highland Township Public Library and the Milford Public Library are once again offering the 2016 Winter Series seminars on Personal Finance.

The Cygnet Institute of Personal Financial Literacy is a non-profit organization. The workshops will adhere to the Fiduciary Standard and are designed to be a true educational experience without a sales pitch. "Financial Literacy is a key to the success of any community. These workshops for public libraries are designed to help people with their financial decisions with no sales pitch or follow up solicitations. Regardless of your stage in life, everyone can benefit from these hands on classes," said Ted Lakkides®, CFP® founder and President of Cygnet Institute for Personal Financial Literacy.

Huron Valley Bancorp, Inc. (NASDAQ: HVLM) recorded record net income of $1,027,000 or $1.21 per share for the year ended December 31, 2015, compared to $720,000 or $0.87 per share for the previous twelve month. This represents a 42.4% increase over last year. For the complete year 2015 return on average equity (ROAE) was 11.5% and return on assets (ROA) was 0.94%. The strong earnings performance is the result of continued loan growth, strong asset quality, fee income generated from residential mortgages, a favorable net interest margin, and disciplined expense control", said Jack J. Shubitowski, President & CEO. "We were successful in executing our overall growth strategy, with a particular focus on our lending portfolio and expanding our products and services to the community".