Call reports 2001
CLOVER COMMUNITY BANK — 2001
What CLOVER COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 54,030,000 | 55,370,000 | 58,839,000 | 57,260,000 |
| Total loans | 31,740,000 | 30,105,000 | 31,153,000 | 31,808,000 |
| Allowance for loan losses | 268,000 | 280,000 | 275,000 | 275,000 |
| Securities available for sale | 14,917,000 | 17,637,000 | 17,527,000 | 16,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,048,000 | 44,129,000 | 47,272,000 | 45,631,000 |
| Interest-bearing deposits | 38,793,000 | 39,163,000 | 41,461,000 | 41,322,000 |
| Noninterest-bearing deposits | 4,255,000 | 4,966,000 | 5,811,000 | 4,309,000 |
| Equity capital | 6,533,000 | 6,788,000 | 7,077,000 | 7,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,068,000 | 2,078,000 | 3,042,000 | 3,966,000 |
| Interest expense | 434,000 | 849,000 | 1,237,000 | 1,571,000 |
| Net interest income | 634,000 | 1,229,000 | 1,805,000 | 2,395,000 |
| Noninterest income | 141,000 | 286,000 | 413,000 | 543,000 |
| Noninterest expense | 434,000 | 854,000 | 1,292,000 | 1,759,000 |
| Provision for loan losses | 16,000 | 34,000 | 33,000 | 33,000 |
| Pretax income | 325,000 | 627,000 | 893,000 | 1,146,000 |
| Income tax | 107,000 | 204,000 | 285,000 | 359,000 |
| Net income | 218,000 | 423,000 | 608,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,390,000 | 6,595,000 | 6,780,000 | 6,959,000 |
| Total capital | 6,658,000 | 6,875,000 | 7,055,000 | 7,234,000 |
| Risk-weighted assets | 35,999,000 | 35,082,000 | 36,222,000 | 37,599,000 |