Call reports 2015
CLARION COUNTY COMMUNITY BANK — 2015
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 129,661,000 | 131,707,000 | 131,031,000 | 130,963,000 |
| Total loans | 101,380,000 | 105,710,000 | 107,057,000 | 107,682,000 |
| Allowance for loan losses | 977,000 | 1,001,000 | 966,000 | 1,012,000 |
| Securities available for sale | 18,143,000 | 17,496,000 | 15,802,000 | 15,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,576,000 | 112,492,000 | 110,467,000 | 110,487,000 |
| Interest-bearing deposits | 94,305,000 | 96,442,000 | 93,866,000 | 92,847,000 |
| Noninterest-bearing deposits | 16,271,000 | 16,050,000 | 16,601,000 | 17,640,000 |
| Equity capital | 14,256,000 | 14,294,000 | 14,601,000 | 14,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,342,000 | 2,716,000 | 4,131,000 | 5,534,000 |
| Interest expense | 173,000 | 351,000 | 521,000 | 687,000 |
| Net interest income | 1,169,000 | 2,365,000 | 3,610,000 | 4,847,000 |
| Noninterest income | 74,000 | 168,000 | 267,000 | 363,000 |
| Noninterest expense | 973,000 | 1,978,000 | 2,985,000 | 3,948,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 250,000 |
| Pretax income | 240,000 | 495,000 | 795,000 | 1,005,000 |
| Income tax | 53,000 | 112,000 | 187,000 | 233,000 |
| Net income | 187,000 | 383,000 | 608,000 | 772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,213,000 | 14,462,000 | 14,687,000 | 14,684,000 |
| Total capital | 15,190,000 | 15,463,000 | 15,653,000 | 15,696,000 |
| Risk-weighted assets | 102,956,000 | 108,136,000 | 110,096,000 | 112,723,000 |