Call reports 2015
CLOVER COMMUNITY BANK — 2015
What CLOVER COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 121,887,000 | 123,458,000 | 126,288,000 | 127,784,000 |
| Total loans | 67,421,000 | 69,611,000 | 67,520,000 | 69,560,000 |
| Allowance for loan losses | 2,048,000 | 2,007,000 | 2,006,000 | 2,006,000 |
| Securities available for sale | 29,533,000 | 29,951,000 | 32,378,000 | 35,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,457,000 | 110,072,000 | 112,499,000 | 113,823,000 |
| Interest-bearing deposits | 88,877,000 | 89,679,000 | 91,938,000 | 91,744,000 |
| Noninterest-bearing deposits | 19,581,000 | 20,393,000 | 20,560,000 | 22,079,000 |
| Equity capital | 12,660,000 | 12,532,000 | 12,915,000 | 13,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,167,000 | 2,353,000 | 3,561,000 | 4,754,000 |
| Interest expense | 52,000 | 100,000 | 145,000 | 191,000 |
| Net interest income | 1,115,000 | 2,253,000 | 3,416,000 | 4,563,000 |
| Noninterest income | 276,000 | 562,000 | 855,000 | 1,165,000 |
| Noninterest expense | 981,000 | 1,985,000 | 2,985,000 | 4,063,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 410,000 | 838,000 | 1,294,000 | 1,705,000 |
| Income tax | 105,000 | 218,000 | 333,000 | 434,000 |
| Net income | 305,000 | 620,000 | 961,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,982,000 | 12,185,000 | 12,414,000 | 12,492,000 |
| Total capital | 13,072,000 | 13,304,000 | 13,515,000 | 13,610,000 |
| Risk-weighted assets | 86,195,000 | 88,564,000 | 87,068,000 | 88,486,000 |