Call reports 2010
CLARION COUNTY COMMUNITY BANK — 2010
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 105,111,000 | 113,144,000 | 116,943,000 | 117,480,000 |
| Total loans | 89,495,000 | 91,995,000 | 92,361,000 | 92,728,000 |
| Allowance for loan losses | 706,000 | 765,000 | 840,000 | 1,155,000 |
| Securities available for sale | 4,143,000 | 6,655,000 | 10,810,000 | 10,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,655,000 | 102,458,000 | 105,955,000 | 106,592,000 |
| Interest-bearing deposits | 85,506,000 | 92,672,000 | 95,531,000 | 95,725,000 |
| Noninterest-bearing deposits | 9,149,000 | 9,786,000 | 10,424,000 | 10,867,000 |
| Equity capital | 10,201,000 | 10,439,000 | 10,585,000 | 10,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,412,000 | 2,879,000 | 4,383,000 | 5,904,000 |
| Interest expense | 448,000 | 919,000 | 1,360,000 | 1,748,000 |
| Net interest income | 964,000 | 1,960,000 | 3,023,000 | 4,156,000 |
| Noninterest income | 36,000 | 94,000 | 159,000 | 217,000 |
| Noninterest expense | 713,000 | 1,400,000 | 2,116,000 | 2,999,000 |
| Provision for loan losses | 75,000 | 152,000 | 233,000 | 592,000 |
| Pretax income | 212,000 | 502,000 | 833,000 | 798,000 |
| Income tax | 72,000 | 164,000 | 272,000 | 251,000 |
| Net income | 140,000 | 338,000 | 561,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,934,000 | 10,232,000 | 10,522,000 | 10,496,000 |
| Total capital | 10,640,000 | 10,997,000 | 11,362,000 | 11,490,000 |
| Risk-weighted assets | 76,828,000 | 78,693,000 | 78,769,000 | 79,362,000 |