Call reports 2012
CLARION COUNTY COMMUNITY BANK — 2012
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 123,896,000 | 122,250,000 | 120,873,000 | 123,748,000 |
| Total loans | 90,013,000 | 88,160,000 | 85,612,000 | 85,058,000 |
| Allowance for loan losses | 1,234,000 | 1,228,000 | 1,073,000 | 1,055,000 |
| Securities available for sale | 22,195,000 | 21,787,000 | 23,765,000 | 25,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,279,000 | 109,290,000 | 107,549,000 | 110,140,000 |
| Interest-bearing deposits | 95,579,000 | 95,909,000 | 95,040,000 | 96,003,000 |
| Noninterest-bearing deposits | 13,700,000 | 13,381,000 | 12,509,000 | 14,137,000 |
| Equity capital | 12,124,000 | 12,457,000 | 12,824,000 | 13,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,445,000 | 2,852,000 | 4,222,000 | 5,581,000 |
| Interest expense | 294,000 | 560,000 | 804,000 | 1,028,000 |
| Net interest income | 1,151,000 | 2,292,000 | 3,418,000 | 4,553,000 |
| Noninterest income | 57,000 | 176,000 | 287,000 | 324,000 |
| Noninterest expense | 790,000 | 1,650,000 | 2,491,000 | 3,341,000 |
| Provision for loan losses | 66,000 | 118,000 | 163,000 | 163,000 |
| Pretax income | 351,000 | 699,000 | 1,050,000 | 1,388,000 |
| Income tax | 86,000 | 172,000 | 257,000 | 336,000 |
| Net income | 265,000 | 527,000 | 793,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,866,000 | 12,128,000 | 12,394,000 | 12,587,000 |
| Total capital | 12,859,000 | 13,119,000 | 13,359,000 | 13,568,000 |
| Risk-weighted assets | 78,400,000 | 77,802,000 | 75,481,000 | 76,752,000 |