Call reports 2016
FIRST CLOVER LEAF BANK, NATIONAL ASSOCIATION — 2016
What FIRST CLOVER LEAF BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 636,592,000 | 664,976,000 | 668,108,000 | 677,730,000 |
| Total loans | 447,525,000 | 447,218,000 | 442,432,000 | 439,080,000 |
| Allowance for loan losses | 6,137,000 | 6,225,000 | 6,000 | 27,000 |
| Securities available for sale | 106,852,000 | 108,328,000 | 105,111,000 | 99,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 515,809,000 | 540,237,000 | 534,460,000 | 550,419,000 |
| Interest-bearing deposits | 446,427,000 | 460,875,000 | 452,930,000 | 461,781,000 |
| Noninterest-bearing deposits | 69,382,000 | 79,362,000 | 81,530,000 | 88,638,000 |
| Equity capital | 83,803,000 | 85,261,000 | 97,229,000 | 95,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,128,000 | 10,363,000 | 1,497,000 | 7,045,000 |
| Interest expense | 660,000 | 1,348,000 | 27,000 | 408,000 |
| Net interest income | 4,468,000 | 9,015,000 | 1,470,000 | 6,637,000 |
| Noninterest income | 545,000 | 1,188,000 | 158,000 | 818,000 |
| Noninterest expense | 3,353,000 | 7,200,000 | 614,000 | 3,581,000 |
| Provision for loan losses | 250,000 | 320,000 | 0 | 131,000 |
| Pretax income | 1,439,000 | 2,712,000 | 1,014,000 | 3,743,000 |
| Income tax | 348,000 | 631,000 | 351,000 | 1,229,000 |
| Net income | 1,091,000 | 2,081,000 | 663,000 | 2,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,346,000 | 72,346,000 | 77,361,000 | 78,145,000 |
| Total capital | 75,878,000 | 76,885,000 | 77,361,000 | 78,145,000 |
| Risk-weighted assets | 508,882,000 | 514,888,000 | 516,818,000 | 518,237,000 |