Call reports 2013
FIRST CLOVER LEAF BANK, NATIONAL ASSOCIATION — 2013
What FIRST CLOVER LEAF BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 601,213,000 | 597,404,000 | 646,305,000 | 621,683,000 |
| Total loans | 390,449,000 | 372,601,000 | 375,113,000 | 378,160,000 |
| Allowance for loan losses | 5,833,000 | 5,479,000 | 5,539,000 | 5,591,000 |
| Securities available for sale | 104,197,000 | 102,408,000 | 109,580,000 | 117,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,262,000 | 469,714,000 | 523,374,000 | 503,428,000 |
| Interest-bearing deposits | 411,491,000 | 413,907,000 | 459,451,000 | 447,458,000 |
| Noninterest-bearing deposits | 56,771,000 | 55,807,000 | 63,923,000 | 55,970,000 |
| Equity capital | 77,599,000 | 76,951,000 | 75,575,000 | 75,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,145,000 | 10,069,000 | 14,985,000 | 19,817,000 |
| Interest expense | 924,000 | 1,765,000 | 2,550,000 | 3,232,000 |
| Net interest income | 4,221,000 | 8,304,000 | 12,435,000 | 16,585,000 |
| Noninterest income | 549,000 | 1,126,000 | 1,516,000 | 1,934,000 |
| Noninterest expense | 2,946,000 | 5,996,000 | 9,114,000 | 12,819,000 |
| Provision for loan losses | 225,000 | 450,000 | 485,000 | 485,000 |
| Pretax income | 1,955,000 | 3,343,000 | 4,711,000 | 5,574,000 |
| Income tax | 669,000 | 1,105,000 | 1,519,000 | 1,718,000 |
| Net income | 1,286,000 | 2,238,000 | 3,192,000 | 3,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,101,000 | 66,117,000 | 65,035,000 | 65,762,000 |
| Total capital | 69,773,000 | 69,479,000 | 68,831,000 | 69,326,000 |
| Risk-weighted assets | 373,819,000 | 379,230,000 | 399,331,000 | 395,489,000 |