Call reports 2015
FIRST CLOVER LEAF BANK, NATIONAL ASSOCIATION — 2015
What FIRST CLOVER LEAF BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 610,437,000 | 592,756,000 | 614,023,000 | 654,660,000 |
| Total loans | 408,578,000 | 399,718,000 | 418,419,000 | 427,429,000 |
| Allowance for loan losses | 5,878,000 | 5,899,000 | 5,911,000 | 5,886,000 |
| Securities available for sale | 108,045,000 | 104,155,000 | 104,840,000 | 103,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,641,000 | 480,453,000 | 500,769,000 | 534,155,000 |
| Interest-bearing deposits | 445,611,000 | 424,052,000 | 438,763,000 | 463,862,000 |
| Noninterest-bearing deposits | 64,030,000 | 56,401,000 | 62,006,000 | 70,293,000 |
| Equity capital | 81,944,000 | 81,571,000 | 82,055,000 | 83,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,917,000 | 9,939,000 | 14,775,000 | 19,706,000 |
| Interest expense | 552,000 | 1,115,000 | 1,714,000 | 2,337,000 |
| Net interest income | 4,365,000 | 8,824,000 | 13,061,000 | 17,369,000 |
| Noninterest income | 576,000 | 1,281,000 | 1,851,000 | 2,580,000 |
| Noninterest expense | 3,214,000 | 6,522,000 | 10,103,000 | 13,525,000 |
| Provision for loan losses | -500,000 | -500,000 | -500,000 | -500,000 |
| Pretax income | 2,227,000 | 4,083,000 | 5,320,000 | 6,935,000 |
| Income tax | 673,000 | 1,205,000 | 1,493,000 | 1,924,000 |
| Net income | 1,554,000 | 2,878,000 | 3,827,000 | 5,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,799,000 | 70,129,000 | 70,083,000 | 71,273,000 |
| Total capital | 74,189,000 | 74,411,000 | 75,034,000 | 76,195,000 |
| Risk-weighted assets | 436,020,000 | 427,282,000 | 446,100,000 | 478,793,000 |