Call reports 2006
COMMUNITY CAPITAL BANK — 2006
What COMMUNITY CAPITAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 150,111,000 | 149,196,000 | 153,823,000 | 167,663,000 |
| Total loans | 113,724,000 | 110,835,000 | 118,583,000 | 127,828,000 |
| Allowance for loan losses | 1,530,000 | 1,530,000 | 1,454,000 | 1,522,000 |
| Securities available for sale | 25,340,000 | 25,191,000 | 25,113,000 | 24,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,133,000 | 133,804,000 | 136,972,000 | 150,645,000 |
| Interest-bearing deposits | 123,560,000 | 122,145,000 | 125,871,000 | 142,230,000 |
| Noninterest-bearing deposits | 12,573,000 | 11,659,000 | 11,101,000 | 8,415,000 |
| Equity capital | 13,420,000 | 13,721,000 | 15,089,000 | 15,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,582,000 | 5,280,000 | 8,075,000 | 11,174,000 |
| Interest expense | 1,261,000 | 2,615,000 | 4,088,000 | 5,788,000 |
| Net interest income | 1,321,000 | 2,665,000 | 3,987,000 | 5,386,000 |
| Noninterest income | 40,000 | 116,000 | 138,000 | 153,000 |
| Noninterest expense | 654,000 | 1,365,000 | 2,165,000 | 3,008,000 |
| Provision for loan losses | 329,000 | 329,000 | 513,000 | 581,000 |
| Pretax income | 379,000 | 1,088,000 | 1,449,000 | 1,953,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 379,000 | 1,088,000 | 1,449,000 | 1,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,924,000 | 14,634,000 | 15,393,000 | 15,900,000 |
| Total capital | 15,454,000 | 16,164,000 | 16,847,000 | 17,422,000 |
| Risk-weighted assets | 130,225,000 | 132,601,000 | 137,101,000 | 148,172,000 |
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