Call reports 2007
CLARION COUNTY COMMUNITY BANK — 2007
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 58,538,000 | 60,280,000 | 61,458,000 | 64,913,000 |
| Total loans | 47,029,000 | 48,999,000 | 50,500,000 | 52,817,000 |
| Allowance for loan losses | 356,000 | 378,000 | 397,000 | 419,000 |
| Securities available for sale | 1,490,000 | 1,491,000 | 2,508,000 | 3,487,000 |
| Securities held to maturity | 1,003,000 | 1,001,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,578,000 | 52,257,000 | 53,334,000 | 56,764,000 |
| Interest-bearing deposits | 44,357,000 | 45,203,000 | 46,489,000 | 50,332,000 |
| Noninterest-bearing deposits | 6,221,000 | 7,054,000 | 6,845,000 | 6,432,000 |
| Equity capital | 7,737,000 | 7,770,000 | 7,863,000 | 7,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 900,000 | 1,866,000 | 2,878,000 | 3,935,000 |
| Interest expense | 430,000 | 894,000 | 1,376,000 | 1,895,000 |
| Net interest income | 470,000 | 972,000 | 1,502,000 | 2,040,000 |
| Noninterest income | 30,000 | 65,000 | 105,000 | 146,000 |
| Noninterest expense | 454,000 | 931,000 | 1,424,000 | 2,013,000 |
| Provision for loan losses | 21,000 | 45,000 | 69,000 | 96,000 |
| Pretax income | 25,000 | 61,000 | 114,000 | 77,000 |
| Income tax | 0 | 2,000 | 5,000 | -2,000 |
| Net income | 25,000 | 59,000 | 109,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,533,000 | 7,569,000 | 7,656,000 | 7,633,000 |
| Total capital | 7,890,000 | 7,947,000 | 8,053,000 | 8,052,000 |
| Risk-weighted assets | 42,332,000 | 44,995,000 | 46,541,000 | 49,488,000 |