Call reports 2003
COMMUNITY CAPITAL BANK — 2003
What COMMUNITY CAPITAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 27,953,000 | 32,767,000 | 40,991,000 | 47,026,000 |
| Total loans | 20,126,000 | 24,346,000 | 27,685,000 | 34,111,000 |
| Allowance for loan losses | 205,000 | 245,000 | 340,000 | 420,000 |
| Securities available for sale | 1,031,000 | 2,019,000 | 3,129,000 | 4,540,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,180,000 | 24,046,000 | 32,386,000 | 38,432,000 |
| Interest-bearing deposits | 16,083,000 | 20,550,000 | 28,657,000 | 34,110,000 |
| Noninterest-bearing deposits | 3,097,000 | 3,497,000 | 3,729,000 | 4,322,000 |
| Equity capital | 8,750,000 | 8,688,000 | 8,555,000 | 8,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 297,000 | 687,000 | 1,126,000 | 1,687,000 |
| Interest expense | 67,000 | 161,000 | 278,000 | 426,000 |
| Net interest income | 230,000 | 526,000 | 848,000 | 1,261,000 |
| Noninterest income | 10,000 | 21,000 | 37,000 | 52,000 |
| Noninterest expense | 331,000 | 667,000 | 1,017,000 | 1,396,000 |
| Provision for loan losses | 50,000 | 90,000 | 185,000 | 265,000 |
| Pretax income | -141,000 | -210,000 | -317,000 | -348,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -141,000 | -210,000 | -317,000 | -348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,744,000 | 8,676,000 | 8,569,000 | 8,538,000 |
| Total capital | 8,949,000 | 8,921,000 | 8,909,000 | 8,958,000 |
| Risk-weighted assets | 24,497,000 | 29,894,000 | 33,988,000 | 42,623,000 |