Call reports 2005
CLARION COUNTY COMMUNITY BANK — 2005
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,721,000 | 34,903,000 | 38,097,000 | 39,788,000 |
| Total loans | 19,910,000 | 22,497,000 | 25,338,000 | 28,434,000 |
| Allowance for loan losses | 160,000 | 175,000 | 190,000 | 235,000 |
| Securities available for sale | 1,483,000 | 1,486,000 | 1,483,000 | 1,487,000 |
| Securities held to maturity | 3,033,000 | 3,029,000 | 3,025,000 | 3,021,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,434,000 | 26,661,000 | 29,891,000 | 31,720,000 |
| Interest-bearing deposits | 20,573,000 | 21,565,000 | 24,302,000 | 25,511,000 |
| Noninterest-bearing deposits | 3,861,000 | 5,096,000 | 5,589,000 | 6,209,000 |
| Equity capital | 8,215,000 | 8,150,000 | 8,093,000 | 7,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 339,000 | 735,000 | 1,204,000 | 1,732,000 |
| Interest expense | 107,000 | 241,000 | 395,000 | 577,000 |
| Net interest income | 232,000 | 494,000 | 809,000 | 1,155,000 |
| Noninterest income | 14,000 | 35,000 | 58,000 | 78,000 |
| Noninterest expense | 404,000 | 845,000 | 1,286,000 | 1,999,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 85,000 |
| Pretax income | -168,000 | -341,000 | -459,000 | -851,000 |
| Income tax | -6,000 | -23,000 | -34,000 | -56,000 |
| Net income | -162,000 | -318,000 | -425,000 | -795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,102,000 | 8,018,000 | 7,950,000 | 7,723,000 |
| Total capital | 8,262,000 | 8,193,000 | 8,140,000 | 7,958,000 |
| Risk-weighted assets | 18,792,000 | 20,929,000 | 23,110,000 | 25,181,000 |