Call reports 2014
CLOVER COMMUNITY BANK — 2014
What CLOVER COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 118,011,000 | 118,757,000 | 118,335,000 | 120,567,000 |
| Total loans | 67,691,000 | 68,125,000 | 68,076,000 | 67,519,000 |
| Allowance for loan losses | 2,322,000 | 2,090,000 | 2,090,000 | 2,090,000 |
| Securities available for sale | 28,014,000 | 29,163,000 | 30,035,000 | 29,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,017,000 | 106,322,000 | 105,418,000 | 107,442,000 |
| Interest-bearing deposits | 89,880,000 | 90,152,000 | 88,163,000 | 87,826,000 |
| Noninterest-bearing deposits | 16,137,000 | 16,170,000 | 17,255,000 | 19,616,000 |
| Equity capital | 11,294,000 | 11,723,000 | 12,099,000 | 12,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,163,000 | 2,332,000 | 3,564,000 | 4,747,000 |
| Interest expense | 93,000 | 178,000 | 244,000 | 302,000 |
| Net interest income | 1,070,000 | 2,154,000 | 3,320,000 | 4,445,000 |
| Noninterest income | 300,000 | 622,000 | 923,000 | 1,197,000 |
| Noninterest expense | 998,000 | 2,030,000 | 2,963,000 | 3,946,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 379,000 | 757,000 | 1,291,000 | 1,716,000 |
| Income tax | 100,000 | 205,000 | 356,000 | 470,000 |
| Net income | 279,000 | 552,000 | 935,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,242,000 | 11,402,000 | 11,673,000 | 11,789,000 |
| Total capital | 12,223,000 | 12,407,000 | 12,676,000 | 12,778,000 |
| Risk-weighted assets | 78,858,000 | 79,255,000 | 79,040,000 | 77,963,000 |
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