Call reports 2006
CLOVER COMMUNITY BANK — 2006
What CLOVER COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 102,088,000 | 101,070,000 | 106,861,000 | 108,971,000 |
| Total loans | 60,425,000 | 61,883,000 | 64,764,000 | 66,450,000 |
| Allowance for loan losses | 847,000 | 887,000 | 924,000 | 961,000 |
| Securities available for sale | 20,980,000 | 22,813,000 | 23,169,000 | 23,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,156,000 | 90,180,000 | 95,273,000 | 96,830,000 |
| Interest-bearing deposits | 80,322,000 | 79,509,000 | 83,973,000 | 84,005,000 |
| Noninterest-bearing deposits | 10,834,000 | 10,671,000 | 11,300,000 | 12,825,000 |
| Equity capital | 8,284,000 | 8,364,000 | 8,917,000 | 8,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,581,000 | 3,269,000 | 5,051,000 | 6,918,000 |
| Interest expense | 481,000 | 999,000 | 1,575,000 | 2,201,000 |
| Net interest income | 1,100,000 | 2,270,000 | 3,476,000 | 4,717,000 |
| Noninterest income | 233,000 | 479,000 | 735,000 | 994,000 |
| Noninterest expense | 798,000 | 1,601,000 | 2,445,000 | 3,306,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 200,000 |
| Pretax income | 490,000 | 1,058,000 | 1,631,000 | 2,205,000 |
| Income tax | 153,000 | 328,000 | 508,000 | 686,000 |
| Net income | 337,000 | 730,000 | 1,123,000 | 1,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,441,000 | 8,684,000 | 9,077,000 | 8,932,000 |
| Total capital | 9,288,000 | 9,571,000 | 10,001,000 | 9,893,000 |
| Risk-weighted assets | 72,171,000 | 74,141,000 | 77,036,000 | 77,457,000 |