Call reports 2014
FIRST CLOVER LEAF BANK, NATIONAL ASSOCIATION — 2014
What FIRST CLOVER LEAF BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 633,401,000 | 639,219,000 | 631,187,000 | 607,442,000 |
| Total loans | 371,408,000 | 388,358,000 | 398,289,000 | 406,566,000 |
| Allowance for loan losses | 5,713,000 | 5,568,000 | 5,791,000 | 5,561,000 |
| Securities available for sale | 113,489,000 | 116,388,000 | 109,056,000 | 104,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,053,000 | 529,728,000 | 527,956,000 | 511,448,000 |
| Interest-bearing deposits | 471,806,000 | 471,321,000 | 470,940,000 | 442,136,000 |
| Noninterest-bearing deposits | 53,247,000 | 58,407,000 | 57,016,000 | 69,312,000 |
| Equity capital | 77,551,000 | 78,162,000 | 78,437,000 | 79,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,679,000 | 9,438,000 | 14,368,000 | 19,316,000 |
| Interest expense | 624,000 | 1,227,000 | 1,855,000 | 2,432,000 |
| Net interest income | 4,055,000 | 8,211,000 | 12,513,000 | 16,884,000 |
| Noninterest income | 361,000 | 715,000 | 1,364,000 | 1,960,000 |
| Noninterest expense | 3,231,000 | 6,638,000 | 9,957,000 | 13,460,000 |
| Provision for loan losses | 0 | 0 | -250,000 | -250,000 |
| Pretax income | 1,185,000 | 2,288,000 | 4,258,000 | 5,744,000 |
| Income tax | 329,000 | 598,000 | 1,181,000 | 1,583,000 |
| Net income | 856,000 | 1,690,000 | 3,077,000 | 4,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,651,000 | 66,497,000 | 66,897,000 | 67,995,000 |
| Total capital | 70,165,000 | 70,350,000 | 70,708,000 | 71,949,000 |
| Risk-weighted assets | 391,272,000 | 419,025,000 | 415,212,000 | 415,583,000 |