Call reports 2006
CLARION COUNTY COMMUNITY BANK — 2006
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 43,171,000 | 46,638,000 | 51,392,000 | 53,103,000 |
| Total loans | 32,232,000 | 35,533,000 | 41,086,000 | 44,137,000 |
| Allowance for loan losses | 250,000 | 261,000 | 276,000 | 335,000 |
| Securities available for sale | 1,492,000 | 500,000 | 491,000 | 493,000 |
| Securities held to maturity | 2,017,000 | 2,013,000 | 2,010,000 | 2,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,197,000 | 38,678,000 | 43,406,000 | 45,098,000 |
| Interest-bearing deposits | 28,663,000 | 32,337,000 | 36,674,000 | 39,160,000 |
| Noninterest-bearing deposits | 6,534,000 | 6,341,000 | 6,732,000 | 5,938,000 |
| Equity capital | 7,870,000 | 7,792,000 | 7,798,000 | 7,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 575,000 | 1,225,000 | 1,966,000 | 2,822,000 |
| Interest expense | 204,000 | 462,000 | 780,000 | 1,166,000 |
| Net interest income | 371,000 | 763,000 | 1,186,000 | 1,656,000 |
| Noninterest income | 22,000 | 49,000 | 76,000 | 106,000 |
| Noninterest expense | 411,000 | 916,000 | 1,388,000 | 1,957,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 105,000 |
| Pretax income | -33,000 | -134,000 | -171,000 | -300,000 |
| Income tax | -4,000 | -14,000 | -20,000 | -33,000 |
| Net income | -29,000 | -120,000 | -151,000 | -267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,699,000 | 7,606,000 | 7,606,000 | 7,500,000 |
| Total capital | 7,949,000 | 7,867,000 | 7,882,000 | 7,835,000 |
| Risk-weighted assets | 29,718,000 | 32,337,000 | 37,212,000 | 38,828,000 |