Call reports 2004
CLARION COUNTY COMMUNITY BANK — 2004
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 17,958,000 | 22,807,000 | 26,838,000 | 28,560,000 |
| Total loans | 3,813,000 | 9,999,000 | 14,688,000 | 17,914,000 |
| Allowance for loan losses | 10,000 | 30,000 | 80,000 | 150,000 |
| Securities available for sale | 0 | 0 | 1,494,000 | 1,488,000 |
| Securities held to maturity | 3,050,000 | 3,045,000 | 3,041,000 | 3,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,566,000 | 14,118,000 | 18,193,000 | 20,167,000 |
| Interest-bearing deposits | 8,219,000 | 11,974,000 | 15,325,000 | 16,862,000 |
| Noninterest-bearing deposits | 1,347,000 | 2,144,000 | 2,867,000 | 3,305,000 |
| Equity capital | 8,381,000 | 8,671,000 | 8,554,000 | 8,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 40,000 | 186,000 | 409,000 | 709,000 |
| Interest expense | 17,000 | 72,000 | 140,000 | 226,000 |
| Net interest income | 23,000 | 114,000 | 269,000 | 483,000 |
| Noninterest income | 2,000 | 14,000 | 27,000 | 51,000 |
| Noninterest expense | 367,000 | 728,000 | 1,277,000 | 1,937,000 |
| Provision for loan losses | 10,000 | 30,000 | 80,000 | 150,000 |
| Pretax income | -352,000 | -630,000 | -1,061,000 | -1,553,000 |
| Income tax | -30,000 | -60,000 | -94,000 | -116,000 |
| Net income | -322,000 | -570,000 | -967,000 | -1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,351,000 | 8,611,000 | 8,462,000 | 8,167,000 |
| Total capital | 8,361,000 | 8,641,000 | 8,542,000 | 8,317,000 |
| Risk-weighted assets | 6,626,000 | 11,053,000 | 14,779,000 | 17,170,000 |