Call reports 2020
CLARION COUNTY COMMUNITY BANK — 2020
What CLARION COUNTY COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 186,511,000 | 193,472,000 | 193,179,000 | 199,344,000 |
| Total loans | 138,873,000 | 138,805,000 | 142,216,000 | 148,620,000 |
| Allowance for loan losses | 1,036,000 | 1,064,000 | 1,124,000 | 1,163,000 |
| Securities available for sale | 25,126,000 | 27,592,000 | 28,785,000 | 27,483,000 |
| Securities held to maturity | 1,847,000 | 1,853,000 | 1,860,000 | 1,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,347,000 | 168,930,000 | 168,213,000 | 174,335,000 |
| Interest-bearing deposits | 132,748,000 | 136,067,000 | 135,162,000 | 139,032,000 |
| Noninterest-bearing deposits | 24,599,000 | 32,863,000 | 33,051,000 | 35,303,000 |
| Equity capital | 17,671,000 | 17,995,000 | 18,233,000 | 18,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,065,000 | 4,081,000 | 6,129,000 | 8,179,000 |
| Interest expense | 584,000 | 1,149,000 | 1,676,000 | 2,146,000 |
| Net interest income | 1,481,000 | 2,932,000 | 4,453,000 | 6,033,000 |
| Noninterest income | 87,000 | 164,000 | 318,000 | 488,000 |
| Noninterest expense | 1,258,000 | 2,535,000 | 3,919,000 | 5,313,000 |
| Provision for loan losses | 70,000 | 130,000 | 190,000 | 250,000 |
| Pretax income | 241,000 | 432,000 | 835,000 | 1,178,000 |
| Income tax | 25,000 | 36,000 | 92,000 | 122,000 |
| Net income | 216,000 | 396,000 | 743,000 | 1,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,285,000 | 17,465,000 | 17,812,000 | 17,826,000 |