Call reports 2014
CLARION COUNTY COMMUNITY BANK — 2014
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 121,022,000 | 121,780,000 | 125,317,000 | 125,723,000 |
| Total loans | 90,289,000 | 90,448,000 | 93,291,000 | 98,321,000 |
| Allowance for loan losses | 910,000 | 924,000 | 940,000 | 947,000 |
| Securities available for sale | 21,196,000 | 20,419,000 | 19,604,000 | 18,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,097,000 | 107,428,000 | 106,673,000 | 105,868,000 |
| Interest-bearing deposits | 93,469,000 | 92,950,000 | 91,130,000 | 88,719,000 |
| Noninterest-bearing deposits | 13,628,000 | 14,478,000 | 15,543,000 | 17,149,000 |
| Equity capital | 13,190,000 | 13,523,000 | 13,807,000 | 13,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,251,000 | 2,492,000 | 3,785,000 | 5,116,000 |
| Interest expense | 170,000 | 332,000 | 499,000 | 665,000 |
| Net interest income | 1,081,000 | 2,160,000 | 3,286,000 | 4,451,000 |
| Noninterest income | 60,000 | 151,000 | 254,000 | 391,000 |
| Noninterest expense | 906,000 | 1,861,000 | 2,813,000 | 3,845,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 160,000 |
| Pretax income | 216,000 | 432,000 | 683,000 | 833,000 |
| Income tax | 41,000 | 83,000 | 136,000 | 158,000 |
| Net income | 175,000 | 349,000 | 547,000 | 675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,637,000 | 13,811,000 | 14,010,000 | 14,045,000 |
| Total capital | 14,547,000 | 14,735,000 | 14,950,000 | 14,992,000 |
| Risk-weighted assets | 82,284,000 | 85,308,000 | 89,138,000 | 93,083,000 |