Call reports 2012
FIRST CLOVER LEAF BANK, NATIONAL ASSOCIATION — 2012
What FIRST CLOVER LEAF BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 552,398,000 | 536,914,000 | 551,271,000 | 600,379,000 |
| Total loans | 397,008,000 | 397,574,000 | 394,491,000 | 402,392,000 |
| Allowance for loan losses | 5,565,000 | 5,865,000 | 5,669,000 | 5,945,000 |
| Securities available for sale | 84,492,000 | 79,349,000 | 78,948,000 | 88,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,714,000 | 408,194,000 | 422,656,000 | 461,390,000 |
| Interest-bearing deposits | 380,761,000 | 359,291,000 | 370,983,000 | 400,221,000 |
| Noninterest-bearing deposits | 42,953,000 | 48,903,000 | 51,673,000 | 61,169,000 |
| Equity capital | 77,104,000 | 78,147,000 | 79,642,000 | 80,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,574,000 | 11,038,000 | 16,411,000 | 21,638,000 |
| Interest expense | 1,201,000 | 2,302,000 | 3,369,000 | 4,375,000 |
| Net interest income | 4,373,000 | 8,736,000 | 13,042,000 | 17,263,000 |
| Noninterest income | 447,000 | 895,000 | 1,837,000 | 2,517,000 |
| Noninterest expense | 2,880,000 | 6,052,000 | 8,909,000 | 11,786,000 |
| Provision for loan losses | 450,000 | 800,000 | 1,200,000 | 1,550,000 |
| Pretax income | 1,490,000 | 2,779,000 | 4,938,000 | 6,612,000 |
| Income tax | 497,000 | 918,000 | 1,678,000 | 2,235,000 |
| Net income | 993,000 | 1,861,000 | 3,260,000 | 4,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,672,000 | 64,605,000 | 66,070,000 | 67,253,000 |
| Total capital | 66,413,000 | 67,586,000 | 69,063,000 | 71,968,000 |
| Risk-weighted assets | 365,480,000 | 365,784,000 | 366,894,000 | 375,967,000 |