Call reports 2005
COMMUNITY CAPITAL BANK — 2005
What COMMUNITY CAPITAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,992,000 | 107,864,000 | 120,960,000 | 138,007,000 |
| Total loans | 72,629,000 | 81,485,000 | 92,610,000 | 102,548,000 |
| Allowance for loan losses | 855,000 | 955,000 | 1,085,000 | 1,201,000 |
| Securities available for sale | 10,316,000 | 11,020,000 | 13,125,000 | 25,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,960,000 | 98,209,000 | 110,918,000 | 124,539,000 |
| Interest-bearing deposits | 76,141,000 | 90,710,000 | 102,763,000 | 115,646,000 |
| Noninterest-bearing deposits | 8,819,000 | 7,499,000 | 8,155,000 | 8,893,000 |
| Equity capital | 8,906,000 | 9,488,000 | 9,816,000 | 13,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,964,000 | 4,832,000 | 7,007,000 |
| Interest expense | 461,000 | 1,077,000 | 1,884,000 | 2,852,000 |
| Net interest income | 845,000 | 1,887,000 | 2,948,000 | 4,155,000 |
| Noninterest income | 19,000 | 35,000 | 52,000 | 72,000 |
| Noninterest expense | 514,000 | 1,021,000 | 1,570,000 | 2,131,000 |
| Provision for loan losses | 100,000 | 200,000 | 330,000 | 446,000 |
| Pretax income | 250,000 | 702,000 | 1,101,000 | 1,651,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 250,000 | 702,000 | 1,101,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,145,000 | 9,597,000 | 9,996,000 | 13,545,000 |
| Total capital | 10,000,000 | 10,552,000 | 11,081,000 | 14,746,000 |
| Risk-weighted assets | 85,135,000 | 93,711,000 | 108,061,000 | 121,277,000 |