Call reports 2010
CLOVER COMMUNITY BANK — 2010
What CLOVER COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 142,803,000 | 141,519,000 | 143,451,000 | 132,739,000 |
| Total loans | 98,470,000 | 94,796,000 | 91,147,000 | 86,321,000 |
| Allowance for loan losses | 2,318,000 | 2,850,000 | 3,532,000 | 3,550,000 |
| Securities available for sale | 16,451,000 | 14,638,000 | 17,721,000 | 23,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,982,000 | 121,706,000 | 123,827,000 | 123,035,000 |
| Interest-bearing deposits | 111,296,000 | 110,021,000 | 110,668,000 | 110,088,000 |
| Noninterest-bearing deposits | 11,685,000 | 11,685,000 | 13,159,000 | 12,947,000 |
| Equity capital | 11,193,000 | 11,183,000 | 10,973,000 | 9,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,464,000 | 5,134,000 | 6,719,000 |
| Interest expense | 434,000 | 851,000 | 1,263,000 | 1,656,000 |
| Net interest income | 1,309,000 | 2,613,000 | 3,871,000 | 5,063,000 |
| Noninterest income | 189,000 | 393,000 | 663,000 | 585,000 |
| Noninterest expense | 1,132,000 | 2,256,000 | 3,401,000 | 4,892,000 |
| Provision for loan losses | 350,000 | 1,031,000 | 2,056,000 | 3,870,000 |
| Pretax income | 16,000 | -139,000 | -665,000 | -2,673,000 |
| Income tax | -16,000 | -91,000 | -291,000 | -970,000 |
| Net income | 32,000 | -48,000 | -374,000 | -1,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,942,000 | 10,862,000 | 10,536,000 | 9,207,000 |
| Total capital | 12,294,000 | 12,153,000 | 11,753,000 | 10,387,000 |
| Risk-weighted assets | 107,201,000 | 101,721,000 | 95,071,000 | 92,028,000 |