Call reports 2008
CLARION COUNTY COMMUNITY BANK — 2008
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 67,931,000 | 71,953,000 | 76,121,000 | 81,552,000 |
| Total loans | 54,542,000 | 59,049,000 | 65,161,000 | 70,737,000 |
| Allowance for loan losses | 446,000 | 460,000 | 472,000 | 505,000 |
| Securities available for sale | 2,988,000 | 2,900,000 | 3,366,000 | 3,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,767,000 | 63,676,000 | 66,724,000 | 72,701,000 |
| Interest-bearing deposits | 52,819,000 | 56,227,000 | 56,788,000 | 64,275,000 |
| Noninterest-bearing deposits | 6,948,000 | 7,449,000 | 9,936,000 | 8,426,000 |
| Equity capital | 7,913,000 | 8,005,000 | 8,133,000 | 8,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,057,000 | 2,150,000 | 3,302,000 | 4,536,000 |
| Interest expense | 532,000 | 1,019,000 | 1,503,000 | 1,994,000 |
| Net interest income | 525,000 | 1,131,000 | 1,799,000 | 2,542,000 |
| Noninterest income | 38,000 | 76,000 | 116,000 | 162,000 |
| Noninterest expense | 521,000 | 1,076,000 | 1,658,000 | 2,364,000 |
| Provision for loan losses | 27,000 | 57,000 | 87,000 | 120,000 |
| Pretax income | 15,000 | 74,000 | 170,000 | 219,000 |
| Income tax | -1,000 | 6,000 | 22,000 | -55,000 |
| Net income | 16,000 | 68,000 | 148,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,675,000 | 7,805,000 | 7,953,000 | 8,255,000 |
| Total capital | 8,121,000 | 8,265,000 | 8,425,000 | 8,760,000 |
| Risk-weighted assets | 51,448,000 | 56,047,000 | 60,428,000 | 64,515,000 |