Call reports 2013
HANOVER COMMUNITY BANK — 2013
What HANOVER COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 72,717,000 | 81,313,000 | 92,956,000 | 120,972,000 |
| Total loans | 44,189,000 | 50,532,000 | 71,681,000 | 97,042,000 |
| Allowance for loan losses | 1,197,000 | 1,180,000 | 1,160,000 | 1,139,000 |
| Securities available for sale | 257,000 | 137,000 | 2,331,000 | 23,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,655,000 | 69,621,000 | 80,993,000 | 106,692,000 |
| Interest-bearing deposits | 57,748,000 | 65,129,000 | 68,979,000 | 87,693,000 |
| Noninterest-bearing deposits | 2,907,000 | 4,492,000 | 12,014,000 | 18,999,000 |
| Equity capital | 11,176,000 | 10,931,000 | 10,818,000 | 13,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 631,000 | 1,336,000 | 2,141,000 | 3,200,000 |
| Interest expense | 218,000 | 451,000 | 682,000 | 952,000 |
| Net interest income | 413,000 | 885,000 | 1,459,000 | 2,248,000 |
| Noninterest income | 66,000 | 278,000 | 502,000 | 722,000 |
| Noninterest expense | 875,000 | 1,730,000 | 2,597,000 | 3,542,000 |
| Provision for loan losses | 216,000 | 388,000 | 493,000 | 1,228,000 |
| Pretax income | -612,000 | -955,000 | -1,101,000 | -1,730,000 |
| Income tax | 2,000 | 0 | 5,000 | 6,000 |
| Net income | -614,000 | -955,000 | -1,106,000 | -1,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,174,000 | 10,930,000 | 10,787,000 | 13,025,000 |
| Total capital | 11,732,000 | 11,519,000 | 11,543,000 | 13,938,000 |
| Risk-weighted assets | 44,141,000 | 46,737,000 | 60,254,000 | 72,999,000 |