Call reports 2016
CLOVER COMMUNITY BANK — 2016
What CLOVER COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 125,398,000 | 125,301,000 | 132,805,000 | 126,976,000 |
| Total loans | 71,853,000 | 70,036,000 | 70,685,000 | 71,627,000 |
| Allowance for loan losses | 2,005,000 | 2,000,000 | 2,013,000 | 1,313,000 |
| Securities available for sale | 32,860,000 | 35,722,000 | 38,676,000 | 38,703,000 |
| Securities held to maturity | 0 | 0 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,079,000 | 110,389,000 | 117,840,000 | 111,776,000 |
| Interest-bearing deposits | 90,100,000 | 90,931,000 | 95,411,000 | 89,105,000 |
| Noninterest-bearing deposits | 20,979,000 | 19,458,000 | 22,429,000 | 22,672,000 |
| Equity capital | 13,380,000 | 13,827,000 | 13,914,000 | 13,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,233,000 | 2,465,000 | 3,720,000 | 5,013,000 |
| Interest expense | 43,000 | 80,000 | 114,000 | 145,000 |
| Net interest income | 1,190,000 | 2,385,000 | 3,606,000 | 4,868,000 |
| Noninterest income | 285,000 | 575,000 | 870,000 | 1,162,000 |
| Noninterest expense | 1,072,000 | 2,171,000 | 3,277,000 | 4,431,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 405,000 | 869,000 | 1,279,000 | 1,679,000 |
| Income tax | 103,000 | 223,000 | 327,000 | 405,000 |
| Net income | 302,000 | 646,000 | 952,000 | 1,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,674,000 | 12,898,000 | 13,091,000 | 12,725,000 |
| Total capital | 13,739,000 | 13,950,000 | 14,179,000 | 13,818,000 |
| Risk-weighted assets | 84,139,000 | 83,110,000 | 86,035,000 | 86,951,000 |