Call reports 2012
HANOVER COMMUNITY BANK — 2012
What HANOVER COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 56,926,000 | 56,800,000 | 57,675,000 | 68,524,000 |
| Total loans | 36,901,000 | 33,488,000 | 32,089,000 | 31,165,000 |
| Allowance for loan losses | 1,001,000 | 1,106,000 | 1,106,000 | 1,106,000 |
| Securities available for sale | 6,137,000 | 5,389,000 | 586,000 | 416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,660,000 | 53,003,000 | 54,260,000 | 56,411,000 |
| Interest-bearing deposits | 51,068,000 | 52,094,000 | 53,530,000 | 55,382,000 |
| Noninterest-bearing deposits | 1,592,000 | 909,000 | 730,000 | 1,029,000 |
| Equity capital | 3,699,000 | 3,122,000 | 2,588,000 | 11,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 780,000 | 1,365,000 | 1,986,000 | 2,591,000 |
| Interest expense | 236,000 | 464,000 | 694,000 | 926,000 |
| Net interest income | 544,000 | 901,000 | 1,292,000 | 1,665,000 |
| Noninterest income | 6,000 | 38,000 | 60,000 | 78,000 |
| Noninterest expense | 846,000 | 1,705,000 | 2,634,000 | 3,493,000 |
| Provision for loan losses | 175,000 | 280,000 | 280,000 | 280,000 |
| Pretax income | -471,000 | -1,046,000 | -1,320,000 | -1,788,000 |
| Income tax | 1,000 | 0 | 4,000 | 5,000 |
| Net income | -472,000 | -1,046,000 | -1,324,000 | -1,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,234,000 | 2,659,000 | 2,382,000 | 11,373,000 |
| Total capital | 3,710,000 | 3,114,000 | 2,819,000 | 11,816,000 |
| Risk-weighted assets | 37,375,000 | 35,616,000 | 34,478,000 | 34,959,000 |