Call reports 2011
CLOVER COMMUNITY BANK — 2011
What CLOVER COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 131,321,000 | 127,818,000 | 127,378,000 | 122,793,000 |
| Total loans | 82,285,000 | 75,068,000 | 73,035,000 | 69,814,000 |
| Allowance for loan losses | 3,214,000 | 3,536,000 | 3,237,000 | 3,153,000 |
| Securities available for sale | 24,466,000 | 26,331,000 | 26,010,000 | 25,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,798,000 | 117,765,000 | 116,377,000 | 112,119,000 |
| Interest-bearing deposits | 110,132,000 | 105,421,000 | 104,003,000 | 97,767,000 |
| Noninterest-bearing deposits | 11,666,000 | 12,344,000 | 12,373,000 | 14,352,000 |
| Equity capital | 8,922,000 | 9,504,000 | 10,153,000 | 10,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,476,000 | 2,975,000 | 4,429,000 | 5,828,000 |
| Interest expense | 283,000 | 527,000 | 730,000 | 898,000 |
| Net interest income | 1,193,000 | 2,448,000 | 3,699,000 | 4,930,000 |
| Noninterest income | 320,000 | 544,000 | 663,000 | 579,000 |
| Noninterest expense | 970,000 | 1,913,000 | 2,885,000 | 3,882,000 |
| Provision for loan losses | 750,000 | 1,175,000 | 1,385,000 | 1,385,000 |
| Pretax income | -207,000 | 41,000 | 375,000 | 569,000 |
| Income tax | -87,000 | -16,000 | 96,000 | 151,000 |
| Net income | -120,000 | 57,000 | 279,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,647,000 | 8,985,000 | 9,123,000 | 9,461,000 |
| Total capital | 9,786,000 | 10,044,000 | 10,134,000 | 10,405,000 |
| Risk-weighted assets | 89,080,000 | 82,217,000 | 78,679,000 | 73,188,000 |