Call reports 2014
HANOVER COMMUNITY BANK — 2014
What HANOVER COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 133,353,000 | 146,271,000 | 141,832,000 | 169,021,000 |
| Total loans | 118,655,000 | 115,037,000 | 115,602,000 | 148,821,000 |
| Allowance for loan losses | 1,279,000 | 1,279,000 | 1,279,000 | 1,490,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,306,000 | 130,165,000 | 122,841,000 | 145,239,000 |
| Interest-bearing deposits | 106,362,000 | 115,897,000 | 109,060,000 | 127,385,000 |
| Noninterest-bearing deposits | 11,944,000 | 14,268,000 | 13,781,000 | 17,854,000 |
| Equity capital | 13,961,000 | 15,875,000 | 18,528,000 | 23,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,350,000 | 2,847,000 | 4,329,000 | 5,937,000 |
| Interest expense | 291,000 | 608,000 | 937,000 | 1,282,000 |
| Net interest income | 1,059,000 | 2,239,000 | 3,392,000 | 4,655,000 |
| Noninterest income | 137,000 | 186,000 | 349,000 | 399,000 |
| Noninterest expense | 998,000 | 1,943,000 | 3,030,000 | 3,854,000 |
| Provision for loan losses | 140,000 | 140,000 | 140,000 | 350,000 |
| Pretax income | 58,000 | 342,000 | 571,000 | 850,000 |
| Income tax | 2,000 | 4,000 | 10,000 | -4,311,000 |
| Net income | 56,000 | 338,000 | 561,000 | 5,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,961,000 | 15,868,000 | 18,514,000 | 19,735,000 |
| Total capital | 15,022,000 | 16,955,000 | 19,590,000 | 21,046,000 |
| Risk-weighted assets | 84,891,000 | 86,799,000 | 85,836,000 | 104,731,000 |