Call reports 2016
CLARION COUNTY COMMUNITY BANK — 2016
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 134,949,000 | 137,770,000 | 140,022,000 | 144,371,000 |
| Total loans | 112,164,000 | 114,142,000 | 115,857,000 | 116,091,000 |
| Allowance for loan losses | 1,022,000 | 1,065,000 | 1,073,000 | 1,095,000 |
| Securities available for sale | 14,020,000 | 13,954,000 | 12,669,000 | 14,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,215,000 | 115,683,000 | 118,754,000 | 124,476,000 |
| Interest-bearing deposits | 94,280,000 | 99,067,000 | 102,311,000 | 106,242,000 |
| Noninterest-bearing deposits | 17,935,000 | 16,616,000 | 16,444,000 | 18,234,000 |
| Equity capital | 14,840,000 | 15,097,000 | 15,244,000 | 14,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,445,000 | 2,921,000 | 4,432,000 | 5,937,000 |
| Interest expense | 183,000 | 385,000 | 599,000 | 832,000 |
| Net interest income | 1,262,000 | 2,536,000 | 3,833,000 | 5,105,000 |
| Noninterest income | 93,000 | 172,000 | 287,000 | 392,000 |
| Noninterest expense | 1,060,000 | 2,130,000 | 3,271,000 | 4,452,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 254,000 | 489,000 | 716,000 | 844,000 |
| Income tax | 62,000 | 116,000 | 161,000 | 182,000 |
| Net income | 192,000 | 373,000 | 555,000 | 662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,877,000 | 15,056,000 | 15,240,000 | 15,178,000 |
| Total capital | 15,899,000 | 16,121,000 | 16,313,000 | 16,273,000 |
| Risk-weighted assets | 118,084,000 | 121,897,000 | 126,588,000 | 129,976,000 |