Call reports 2015
HANOVER COMMUNITY BANK — 2015
What HANOVER COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 189,526,000 | 215,858,000 | 223,545,000 | 258,747,000 |
| Total loans | 173,227,000 | 184,180,000 | 196,518,000 | 233,307,000 |
| Allowance for loan losses | 1,729,000 | 1,953,000 | 2,180,000 | 2,430,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,335,000 | 188,749,000 | 193,701,000 | 202,801,000 |
| Interest-bearing deposits | 151,286,000 | 159,670,000 | 166,388,000 | 174,140,000 |
| Noninterest-bearing deposits | 14,049,000 | 29,079,000 | 27,313,000 | 28,661,000 |
| Equity capital | 23,824,000 | 26,633,000 | 29,234,000 | 30,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,908,000 | 4,057,000 | 6,335,000 | 8,962,000 |
| Interest expense | 454,000 | 962,000 | 1,500,000 | 2,090,000 |
| Net interest income | 1,454,000 | 3,095,000 | 4,835,000 | 6,872,000 |
| Noninterest income | 178,000 | 502,000 | 805,000 | 975,000 |
| Noninterest expense | 1,056,000 | 2,278,000 | 3,430,000 | 4,685,000 |
| Provision for loan losses | 260,000 | 483,000 | 633,000 | 883,000 |
| Pretax income | 316,000 | 836,000 | 1,577,000 | 2,279,000 |
| Income tax | 113,000 | 297,000 | 568,000 | 818,000 |
| Net income | 203,000 | 539,000 | 1,009,000 | 1,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,426,000 | 23,472,000 | 26,362,000 | 28,080,000 |
| Total capital | 21,937,000 | 25,134,000 | 28,109,000 | 30,099,000 |
| Risk-weighted assets | 120,660,000 | 132,668,000 | 137,632,000 | 159,637,000 |