Call reports 2012
CLOVER COMMUNITY BANK — 2012
What CLOVER COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 124,218,000 | 121,431,000 | 119,108,000 | 117,401,000 |
| Total loans | 70,359,000 | 72,036,000 | 71,053,000 | 68,765,000 |
| Allowance for loan losses | 3,160,000 | 3,081,000 | 2,956,000 | 2,917,000 |
| Securities available for sale | 25,167,000 | 25,700,000 | 25,791,000 | 24,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,301,000 | 109,974,000 | 107,417,000 | 105,305,000 |
| Interest-bearing deposits | 98,624,000 | 95,084,000 | 91,588,000 | 89,507,000 |
| Noninterest-bearing deposits | 14,677,000 | 14,890,000 | 15,829,000 | 15,798,000 |
| Equity capital | 10,395,000 | 10,951,000 | 11,270,000 | 11,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,661,000 | 3,969,000 | 5,283,000 |
| Interest expense | 144,000 | 268,000 | 383,000 | 494,000 |
| Net interest income | 1,220,000 | 2,393,000 | 3,586,000 | 4,789,000 |
| Noninterest income | 99,000 | 263,000 | 366,000 | 555,000 |
| Noninterest expense | 839,000 | 1,672,000 | 2,548,000 | 3,534,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 480,000 | 1,003,000 | 1,499,000 | 1,904,000 |
| Income tax | 160,000 | 340,000 | 507,000 | 645,000 |
| Net income | 320,000 | 663,000 | 992,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,869,000 | 10,289,000 | 10,618,000 | 10,885,000 |
| Total capital | 10,825,000 | 11,269,000 | 11,578,000 | 11,830,000 |
| Risk-weighted assets | 74,182,000 | 76,180,000 | 74,714,000 | 73,502,000 |