Call reports 2009
CLOVER COMMUNITY BANK — 2009
What CLOVER COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 149,759,000 | 145,306,000 | 145,456,000 | 144,300,000 |
| Total loans | 105,485,000 | 104,710,000 | 102,199,000 | 101,246,000 |
| Allowance for loan losses | 1,840,000 | 1,920,000 | 1,628,000 | 2,543,000 |
| Securities available for sale | 15,274,000 | 14,272,000 | 15,041,000 | 15,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,461,000 | 124,089,000 | 124,245,000 | 124,566,000 |
| Interest-bearing deposits | 116,156,000 | 112,288,000 | 113,248,000 | 112,361,000 |
| Noninterest-bearing deposits | 12,305,000 | 11,801,000 | 10,997,000 | 12,204,000 |
| Equity capital | 12,384,000 | 12,272,000 | 12,537,000 | 11,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,939,000 | 3,920,000 | 5,866,000 | 7,709,000 |
| Interest expense | 715,000 | 1,328,000 | 1,869,000 | 2,352,000 |
| Net interest income | 1,224,000 | 2,592,000 | 3,997,000 | 5,357,000 |
| Noninterest income | 303,000 | 477,000 | 790,000 | 713,000 |
| Noninterest expense | 1,148,000 | 2,332,000 | 3,492,000 | 4,719,000 |
| Provision for loan losses | 125,000 | 650,000 | 1,065,000 | 3,093,000 |
| Pretax income | 254,000 | 112,000 | 263,000 | -1,709,000 |
| Income tax | 67,000 | -15,000 | 22,000 | -641,000 |
| Net income | 187,000 | 127,000 | 241,000 | -1,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,166,000 | 12,106,000 | 12,220,000 | 10,911,000 |
| Total capital | 13,576,000 | 13,498,000 | 13,602,000 | 12,296,000 |
| Risk-weighted assets | 112,359,000 | 110,823,000 | 110,299,000 | 109,643,000 |
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