Call reports 2011
CRESSON COMMUNITY BANK — 2011
What CRESSON COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 55,805,000 | 54,862,000 | 56,663,000 | 55,850,000 |
| Total loans | 28,498,000 | 28,649,000 | 28,650,000 | 27,863,000 |
| Allowance for loan losses | 161,000 | 142,000 | 142,000 | 147,000 |
| Securities available for sale | 802,000 | 1,613,000 | 3,294,000 | 558,000 |
| Securities held to maturity | 16,060,000 | 17,729,000 | 16,702,000 | 18,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,353,000 | 48,396,000 | 50,156,000 | 49,379,000 |
| Interest-bearing deposits | 48,672,000 | 47,927,000 | 49,832,000 | 49,028,000 |
| Noninterest-bearing deposits | 681,000 | 469,000 | 324,000 | 351,000 |
| Equity capital | 6,245,000 | 6,290,000 | 6,345,000 | 6,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 503,000 | 1,006,000 | 1,505,000 | 2,015,000 |
| Interest expense | 190,000 | 380,000 | 568,000 | 749,000 |
| Net interest income | 313,000 | 626,000 | 937,000 | 1,266,000 |
| Noninterest income | 14,000 | 27,000 | 43,000 | 58,000 |
| Noninterest expense | 275,000 | 538,000 | 802,000 | 1,098,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 52,000 | 115,000 | 178,000 | 221,000 |
| Income tax | 13,000 | 31,000 | 39,000 | 25,000 |
| Net income | 39,000 | 84,000 | 139,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,276,000 | 6,321,000 | 6,376,000 | 6,433,000 |
| Total capital | 6,437,000 | 6,463,000 | 6,517,000 | 6,580,000 |
| Risk-weighted assets | 36,713,000 | 25,144,000 | 26,979,000 | 24,847,000 |