Call reports 2009
CLARION COUNTY COMMUNITY BANK — 2009
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 82,422,000 | 89,344,000 | 93,821,000 | 100,927,000 |
| Total loans | 73,108,000 | 76,922,000 | 82,567,000 | 87,510,000 |
| Allowance for loan losses | 550,000 | 531,000 | 591,000 | 638,000 |
| Securities available for sale | 3,637,000 | 3,929,000 | 3,703,000 | 4,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,940,000 | 79,719,000 | 83,473,000 | 90,566,000 |
| Interest-bearing deposits | 64,244,000 | 70,625,000 | 73,011,000 | 80,656,000 |
| Noninterest-bearing deposits | 7,696,000 | 9,094,000 | 10,462,000 | 9,911,000 |
| Equity capital | 9,199,000 | 9,300,000 | 9,990,000 | 10,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,225,000 | 2,475,000 | 3,809,000 | 5,206,000 |
| Interest expense | 457,000 | 907,000 | 1,350,000 | 1,793,000 |
| Net interest income | 768,000 | 1,568,000 | 2,459,000 | 3,413,000 |
| Noninterest income | 33,000 | 79,000 | 121,000 | 162,000 |
| Noninterest expense | 670,000 | 1,363,000 | 2,044,000 | 2,815,000 |
| Provision for loan losses | 45,000 | 93,000 | 153,000 | 245,000 |
| Pretax income | 86,000 | 191,000 | 383,000 | 515,000 |
| Income tax | -4,000 | 11,000 | -508,000 | -463,000 |
| Net income | 90,000 | 180,000 | 891,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,858,000 | 8,962,000 | 9,154,000 | 9,699,000 |
| Total capital | 9,408,000 | 9,493,000 | 9,745,000 | 10,337,000 |
| Risk-weighted assets | 65,948,000 | 69,993,000 | 74,263,000 | 74,119,000 |