Call reports 2007
COMMUNITY CAPITAL BANK — 2007
What COMMUNITY CAPITAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 178,937,000 | 173,690,000 | 187,045,000 | 185,100,000 |
| Total loans | 134,888,000 | 132,592,000 | 131,004,000 | 128,585,000 |
| Allowance for loan losses | 1,579,000 | 1,579,000 | 1,579,000 | 1,579,000 |
| Securities available for sale | 28,723,000 | 30,556,000 | 43,125,000 | 42,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,918,000 | 153,042,000 | 144,063,000 | 134,254,000 |
| Interest-bearing deposits | 153,970,000 | 145,182,000 | 136,073,000 | 127,225,000 |
| Noninterest-bearing deposits | 8,948,000 | 7,860,000 | 7,990,000 | 7,029,000 |
| Equity capital | 14,504,000 | 14,089,000 | 18,853,000 | 19,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,143,000 | 6,441,000 | 9,675,000 | 12,806,000 |
| Interest expense | 1,881,000 | 3,839,000 | 5,741,000 | 7,654,000 |
| Net interest income | 1,262,000 | 2,602,000 | 3,934,000 | 5,152,000 |
| Noninterest income | 16,000 | 34,000 | 40,000 | 138,000 |
| Noninterest expense | 1,028,000 | 2,049,000 | 3,079,000 | 4,216,000 |
| Provision for loan losses | 122,000 | 122,000 | 122,000 | 122,000 |
| Pretax income | 128,000 | 466,000 | 775,000 | 917,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 128,000 | 466,000 | 775,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,727,000 | 15,067,000 | 19,376,000 | 19,414,000 |
| Total capital | 16,306,000 | 16,646,000 | 20,955,000 | 20,993,000 |
| Risk-weighted assets | 154,140,000 | 150,663,000 | 147,892,000 | 147,907,000 |