Call reports 2009
HANOVER COMMUNITY BANK — 2009
What HANOVER COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 61,098,000 | 69,015,000 | 71,916,000 | 72,741,000 |
| Total loans | 6,022,000 | 12,526,000 | 23,008,000 | 37,771,000 |
| Allowance for loan losses | 9,000 | 54,000 | 163,000 | 283,000 |
| Securities available for sale | 2,000,000 | 18,408,000 | 15,349,000 | 10,594,000 |
| Securities held to maturity | 0 | 20,002,000 | 19,688,000 | 19,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,658,000 | 59,872,000 | 63,111,000 | 64,083,000 |
| Interest-bearing deposits | 48,402,000 | 57,129,000 | 60,737,000 | 61,807,000 |
| Noninterest-bearing deposits | 1,256,000 | 2,743,000 | 2,374,000 | 2,276,000 |
| Equity capital | 9,331,000 | 8,673,000 | 8,123,000 | 7,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 81,000 | 330,000 | 1,003,000 | 1,858,000 |
| Interest expense | 222,000 | 651,000 | 1,095,000 | 1,544,000 |
| Net interest income | -141,000 | -321,000 | -92,000 | 314,000 |
| Noninterest income | 1,000 | 52,000 | 668,000 | 933,000 |
| Noninterest expense | 759,000 | 1,794,000 | 3,415,000 | 4,874,000 |
| Provision for loan losses | 9,000 | 54,000 | 163,000 | 283,000 |
| Pretax income | -908,000 | -2,117,000 | -2,989,000 | -3,833,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | -908,000 | -2,117,000 | -2,989,000 | -3,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,015,000 | 8,319,000 | 7,657,000 | 7,377,000 |
| Total capital | 9,024,000 | 8,373,000 | 7,820,000 | 7,660,000 |
| Risk-weighted assets | 27,815,000 | 22,116,000 | 30,155,000 | 36,162,000 |