Call reports 2018
CLOVER COMMUNITY BANK — 2018
What CLOVER COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 130,221,000 | 129,652,000 | 129,766,000 | 126,469,000 |
| Total loans | 69,509,000 | 68,685,000 | 68,737,000 | 66,343,000 |
| Allowance for loan losses | 1,350,000 | 1,333,000 | 1,332,000 | 1,452,000 |
| Securities available for sale | 37,429,000 | 37,205,000 | 37,830,000 | 38,205,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,708,000 | 115,015,000 | 115,015,000 | 111,855,000 |
| Interest-bearing deposits | 90,446,000 | 88,317,000 | 82,667,000 | 81,441,000 |
| Noninterest-bearing deposits | 25,261,000 | 26,698,000 | 32,348,000 | 30,414,000 |
| Equity capital | 13,203,000 | 13,258,000 | 13,364,000 | 13,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,282,000 | 2,570,000 | 3,880,000 | 5,504,000 |
| Interest expense | 40,000 | 84,000 | 126,000 | 174,000 |
| Net interest income | 1,242,000 | 2,486,000 | 3,754,000 | 5,330,000 |
| Noninterest income | 305,000 | 691,000 | 982,000 | 1,285,000 |
| Noninterest expense | 1,192,000 | 2,404,000 | 3,537,000 | 5,241,000 |
| Provision for loan losses | 0 | 0 | 0 | 120,000 |
| Pretax income | 355,000 | 773,000 | 1,199,000 | 1,254,000 |
| Income tax | 53,000 | 128,000 | 196,000 | 180,000 |
| Net income | 302,000 | 645,000 | 1,003,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,055,000 | 13,167,000 | 13,443,000 | 12,867,000 |
| Total capital | 14,117,000 | 14,230,000 | 14,499,000 | 13,874,000 |
| Risk-weighted assets | 84,601,000 | 84,663,000 | 84,130,000 | 80,079,000 |