Call reports 2002
CLOVER COMMUNITY BANK — 2002
What CLOVER COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 59,394,000 | 59,125,000 | 60,118,000 | 60,823,000 |
| Total loans | 32,647,000 | 33,628,000 | 34,407,000 | 35,043,000 |
| Allowance for loan losses | 300,000 | 388,000 | 319,000 | 360,000 |
| Securities available for sale | 17,202,000 | 18,132,000 | 16,522,000 | 16,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,414,000 | 47,686,000 | 48,585,000 | 49,331,000 |
| Interest-bearing deposits | 43,413,000 | 42,689,000 | 43,689,000 | 44,404,000 |
| Noninterest-bearing deposits | 5,001,000 | 4,997,000 | 4,896,000 | 4,927,000 |
| Equity capital | 6,596,000 | 6,939,000 | 7,141,000 | 7,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 868,000 | 1,732,000 | 2,603,000 | 3,461,000 |
| Interest expense | 289,000 | 554,000 | 797,000 | 1,018,000 |
| Net interest income | 579,000 | 1,178,000 | 1,806,000 | 2,443,000 |
| Noninterest income | 187,000 | 405,000 | 621,000 | 850,000 |
| Noninterest expense | 427,000 | 865,000 | 1,360,000 | 1,977,000 |
| Provision for loan losses | 28,000 | 116,000 | 315,000 | 357,000 |
| Pretax income | 311,000 | 609,000 | 1,025,000 | 1,232,000 |
| Income tax | 99,000 | 191,000 | 328,000 | 381,000 |
| Net income | 212,000 | 418,000 | 697,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,410,000 | 6,615,000 | 6,895,000 | 7,048,000 |
| Total capital | 6,710,000 | 7,003,000 | 7,214,000 | 7,408,000 |
| Risk-weighted assets | 38,120,000 | 39,657,000 | 40,615,000 | 40,856,000 |