Call reports 2004
CLOVER COMMUNITY BANK — 2004
What CLOVER COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 73,800,000 | 76,700,000 | 80,988,000 | 80,844,000 |
| Total loans | 48,650,000 | 52,282,000 | 54,714,000 | 55,816,000 |
| Allowance for loan losses | 472,000 | 498,000 | 526,000 | 625,000 |
| Securities available for sale | 16,632,000 | 14,813,000 | 13,895,000 | 14,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,231,000 | 69,161,000 | 68,845,000 | 68,539,000 |
| Interest-bearing deposits | 57,953,000 | 58,291,000 | 59,326,000 | 59,686,000 |
| Noninterest-bearing deposits | 8,279,000 | 10,870,000 | 9,519,000 | 8,853,000 |
| Equity capital | 7,387,000 | 7,313,000 | 7,810,000 | 8,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 996,000 | 2,043,000 | 3,137,000 | 4,302,000 |
| Interest expense | 184,000 | 366,000 | 555,000 | 778,000 |
| Net interest income | 812,000 | 1,677,000 | 2,582,000 | 3,524,000 |
| Noninterest income | 240,000 | 481,000 | 729,000 | 982,000 |
| Noninterest expense | 672,000 | 1,374,000 | 2,080,000 | 2,803,000 |
| Provision for loan losses | 26,000 | 56,000 | 101,000 | 206,000 |
| Pretax income | 354,000 | 728,000 | 1,130,000 | 1,498,000 |
| Income tax | 112,000 | 227,000 | 349,000 | 455,000 |
| Net income | 242,000 | 501,000 | 781,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,158,000 | 7,419,000 | 7,699,000 | 7,960,000 |
| Total capital | 7,630,000 | 7,917,000 | 8,225,000 | 8,585,000 |
| Risk-weighted assets | 55,598,000 | 59,190,000 | 61,049,000 | 63,908,000 |