Call reports 2004
COMMUNITY CAPITAL BANK — 2004
What COMMUNITY CAPITAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 60,009,000 | 64,247,000 | 72,091,000 | 81,680,000 |
| Total loans | 41,368,000 | 50,259,000 | 56,534,000 | 65,187,000 |
| Allowance for loan losses | 460,000 | 580,000 | 655,000 | 755,000 |
| Securities available for sale | 6,379,000 | 6,169,000 | 7,359,000 | 9,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,361,000 | 55,715,000 | 63,319,000 | 72,750,000 |
| Interest-bearing deposits | 43,344,000 | 47,262,000 | 54,866,000 | 66,941,000 |
| Noninterest-bearing deposits | 8,018,000 | 8,454,000 | 8,453,000 | 5,809,000 |
| Equity capital | 8,571,000 | 8,446,000 | 8,684,000 | 8,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 624,000 | 1,399,000 | 2,330,000 | 3,456,000 |
| Interest expense | 184,000 | 405,000 | 687,000 | 1,046,000 |
| Net interest income | 440,000 | 994,000 | 1,643,000 | 2,410,000 |
| Noninterest income | 17,000 | 29,000 | 46,000 | 59,000 |
| Noninterest expense | 414,000 | 821,000 | 1,285,000 | 1,778,000 |
| Provision for loan losses | 40,000 | 160,000 | 235,000 | 335,000 |
| Pretax income | 3,000 | 42,000 | 169,000 | 356,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | 42,000 | 169,000 | 356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,541,000 | 8,580,000 | 8,707,000 | 8,895,000 |
| Total capital | 9,001,000 | 9,160,000 | 9,362,000 | 9,650,000 |
| Risk-weighted assets | 52,036,000 | 57,595,000 | 63,770,000 | 76,904,000 |