Call reports 2003
CLOVER COMMUNITY BANK — 2003
What CLOVER COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 69,766,000 | 70,063,000 | 73,775,000 | 70,924,000 |
| Total loans | 35,479,000 | 38,065,000 | 39,762,000 | 43,769,000 |
| Allowance for loan losses | 379,000 | 404,000 | 425,000 | 450,000 |
| Securities available for sale | 17,413,000 | 18,055,000 | 18,079,000 | 18,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,442,000 | 58,550,000 | 62,256,000 | 63,278,000 |
| Interest-bearing deposits | 49,699,000 | 50,346,000 | 54,231,000 | 53,912,000 |
| Noninterest-bearing deposits | 8,743,000 | 8,204,000 | 8,025,000 | 9,366,000 |
| Equity capital | 6,959,000 | 7,227,000 | 7,210,000 | 7,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 875,000 | 1,808,000 | 2,716,000 | 3,664,000 |
| Interest expense | 214,000 | 432,000 | 640,000 | 840,000 |
| Net interest income | 661,000 | 1,376,000 | 2,076,000 | 2,824,000 |
| Noninterest income | 197,000 | 401,000 | 616,000 | 826,000 |
| Noninterest expense | 573,000 | 1,162,000 | 1,775,000 | 2,456,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 261,000 | 567,000 | 845,000 | 1,098,000 |
| Income tax | 81,000 | 179,000 | 271,000 | 317,000 |
| Net income | 180,000 | 388,000 | 574,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,721,000 | 6,930,000 | 7,116,000 | 7,322,000 |
| Total capital | 7,100,000 | 7,334,000 | 7,541,000 | 7,772,000 |
| Risk-weighted assets | 42,384,000 | 44,496,000 | 46,982,000 | 49,312,000 |