Call reports 2011
CLARION COUNTY COMMUNITY BANK — 2011
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 116,801,000 | 119,551,000 | 121,486,000 | 120,318,000 |
| Total loans | 93,058,000 | 92,313,000 | 92,113,000 | 90,494,000 |
| Allowance for loan losses | 956,000 | 1,018,000 | 1,093,000 | 1,168,000 |
| Securities available for sale | 10,393,000 | 14,568,000 | 16,969,000 | 19,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,654,000 | 107,890,000 | 109,396,000 | 107,948,000 |
| Interest-bearing deposits | 95,051,000 | 96,488,000 | 97,100,000 | 95,771,000 |
| Noninterest-bearing deposits | 10,603,000 | 11,402,000 | 12,296,000 | 12,177,000 |
| Equity capital | 10,685,000 | 11,134,000 | 11,565,000 | 11,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,460,000 | 2,962,000 | 4,460,000 | 5,957,000 |
| Interest expense | 359,000 | 707,000 | 1,052,000 | 1,380,000 |
| Net interest income | 1,101,000 | 2,255,000 | 3,408,000 | 4,577,000 |
| Noninterest income | 70,000 | 177,000 | 248,000 | 325,000 |
| Noninterest expense | 718,000 | 1,471,000 | 2,237,000 | 3,019,000 |
| Provision for loan losses | 114,000 | 198,000 | 282,000 | 366,000 |
| Pretax income | 339,000 | 763,000 | 1,137,000 | 1,532,000 |
| Income tax | 105,000 | 230,000 | 343,000 | 449,000 |
| Net income | 234,000 | 533,000 | 794,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,736,000 | 11,048,000 | 11,309,000 | 11,599,000 |
| Total capital | 11,692,000 | 12,031,000 | 12,285,000 | 12,585,000 |
| Risk-weighted assets | 78,298,000 | 78,610,000 | 77,978,000 | 78,727,000 |