Call reports 2007
CLOVER COMMUNITY BANK — 2007
What CLOVER COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 113,797,000 | 113,924,000 | 112,384,000 | 113,547,000 |
| Total loans | 70,706,000 | 73,881,000 | 71,988,000 | 79,798,000 |
| Allowance for loan losses | 984,000 | 972,000 | 976,000 | 913,000 |
| Securities available for sale | 22,685,000 | 23,003,000 | 22,873,000 | 21,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,691,000 | 101,906,000 | 101,746,000 | 102,410,000 |
| Interest-bearing deposits | 88,498,000 | 88,188,000 | 88,631,000 | 90,389,000 |
| Noninterest-bearing deposits | 13,193,000 | 13,718,000 | 13,115,000 | 12,022,000 |
| Equity capital | 9,239,000 | 9,356,000 | 9,943,000 | 9,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,878,000 | 3,810,000 | 5,819,000 | 7,805,000 |
| Interest expense | 626,000 | 1,293,000 | 2,011,000 | 2,703,000 |
| Net interest income | 1,252,000 | 2,517,000 | 3,808,000 | 5,102,000 |
| Noninterest income | 249,000 | 513,000 | 765,000 | 1,028,000 |
| Noninterest expense | 948,000 | 1,887,000 | 2,866,000 | 3,910,000 |
| Provision for loan losses | 30,000 | 68,000 | 105,000 | 117,000 |
| Pretax income | 523,000 | 1,075,000 | 1,602,000 | 2,115,000 |
| Income tax | 164,000 | 334,000 | 497,000 | 664,000 |
| Net income | 359,000 | 741,000 | 1,105,000 | 1,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,291,000 | 9,673,000 | 10,037,000 | 9,940,000 |
| Total capital | 10,275,000 | 10,645,000 | 11,013,000 | 10,853,000 |
| Risk-weighted assets | 81,674,000 | 85,194,000 | 82,224,000 | 90,404,000 |