Call reports 2013
CLOVER COMMUNITY BANK — 2013
What CLOVER COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 121,344,000 | 116,145,000 | 117,741,000 | 117,463,000 |
| Total loans | 68,154,000 | 68,929,000 | 68,971,000 | 66,954,000 |
| Allowance for loan losses | 2,752,000 | 2,601,000 | 2,400,000 | 2,298,000 |
| Securities available for sale | 24,419,000 | 26,818,000 | 25,422,000 | 28,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,017,000 | 103,756,000 | 105,211,000 | 104,791,000 |
| Interest-bearing deposits | 92,835,000 | 88,061,000 | 90,074,000 | 90,180,000 |
| Noninterest-bearing deposits | 16,182,000 | 15,695,000 | 15,137,000 | 14,611,000 |
| Equity capital | 11,776,000 | 11,796,000 | 11,853,000 | 12,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,201,000 | 2,473,000 | 3,659,000 | 4,888,000 |
| Interest expense | 106,000 | 209,000 | 309,000 | 408,000 |
| Net interest income | 1,095,000 | 2,264,000 | 3,350,000 | 4,480,000 |
| Noninterest income | 262,000 | 707,000 | 1,077,000 | 1,415,000 |
| Noninterest expense | 955,000 | 1,903,000 | 2,865,000 | 3,922,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 402,000 | 1,068,000 | 1,608,000 | 2,087,000 |
| Income tax | 138,000 | 368,000 | 540,000 | 679,000 |
| Net income | 264,000 | 700,000 | 1,068,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,149,000 | 11,585,000 | 11,953,000 | 12,294,000 |
| Total capital | 12,094,000 | 12,556,000 | 12,952,000 | 13,286,000 |
| Risk-weighted assets | 73,706,000 | 75,967,000 | 78,442,000 | 77,989,000 |