Call reports 2005
CLOVER COMMUNITY BANK — 2005
What CLOVER COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 82,079,000 | 94,081,000 | 100,444,000 | 101,341,000 |
| Total loans | 58,884,000 | 61,330,000 | 62,104,000 | 59,771,000 |
| Allowance for loan losses | 667,000 | 712,000 | 751,000 | 802,000 |
| Securities available for sale | 13,532,000 | 15,032,000 | 16,847,000 | 19,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,170,000 | 81,728,000 | 89,670,000 | 90,774,000 |
| Interest-bearing deposits | 60,832,000 | 72,624,000 | 80,025,000 | 80,190,000 |
| Noninterest-bearing deposits | 9,338,000 | 9,104,000 | 9,645,000 | 10,584,000 |
| Equity capital | 7,686,000 | 8,013,000 | 8,313,000 | 7,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,527,000 | 3,964,000 | 5,524,000 |
| Interest expense | 241,000 | 564,000 | 968,000 | 1,407,000 |
| Net interest income | 962,000 | 1,963,000 | 2,996,000 | 4,117,000 |
| Noninterest income | 208,000 | 428,000 | 666,000 | 910,000 |
| Noninterest expense | 752,000 | 1,535,000 | 2,272,000 | 3,165,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 200,000 |
| Pretax income | 373,000 | 766,000 | 1,255,000 | 1,662,000 |
| Income tax | 115,000 | 232,000 | 388,000 | 508,000 |
| Net income | 258,000 | 534,000 | 867,000 | 1,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,712,000 | 7,989,000 | 8,322,000 | 8,104,000 |
| Total capital | 8,379,000 | 8,701,000 | 9,073,000 | 8,906,000 |
| Risk-weighted assets | 66,623,000 | 71,032,000 | 71,474,000 | 70,368,000 |