Call reports 2013
CLARION COUNTY COMMUNITY BANK — 2013
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 126,163,000 | 124,186,000 | 123,208,000 | 123,647,000 |
| Total loans | 86,127,000 | 88,690,000 | 88,939,000 | 90,357,000 |
| Allowance for loan losses | 1,067,000 | 1,079,000 | 1,057,000 | 909,000 |
| Securities available for sale | 24,598,000 | 24,940,000 | 23,842,000 | 22,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,470,000 | 110,792,000 | 109,709,000 | 110,063,000 |
| Interest-bearing deposits | 98,348,000 | 97,773,000 | 95,208,000 | 95,262,000 |
| Noninterest-bearing deposits | 14,122,000 | 13,019,000 | 14,501,000 | 14,801,000 |
| Equity capital | 13,110,000 | 12,754,000 | 12,796,000 | 12,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,610,000 | 3,912,000 | 5,195,000 |
| Interest expense | 202,000 | 396,000 | 579,000 | 760,000 |
| Net interest income | 1,108,000 | 2,214,000 | 3,333,000 | 4,435,000 |
| Noninterest income | 79,000 | 177,000 | 276,000 | 372,000 |
| Noninterest expense | 850,000 | 1,752,000 | 2,624,000 | 3,529,000 |
| Provision for loan losses | 12,000 | 24,000 | 24,000 | 84,000 |
| Pretax income | 332,000 | 632,000 | 963,000 | 1,205,000 |
| Income tax | 76,000 | 140,000 | 213,000 | 257,000 |
| Net income | 256,000 | 492,000 | 750,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,844,000 | 13,080,000 | 13,340,000 | 13,437,000 |
| Total capital | 13,850,000 | 14,118,000 | 14,397,000 | 14,346,000 |
| Risk-weighted assets | 78,370,000 | 80,102,000 | 83,251,000 | 81,942,000 |