Call reports 2008
COMMUNITY CAPITAL BANK — 2008
What COMMUNITY CAPITAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 199,778,000 | 194,420,000 | 187,359,000 | 185,350,000 |
| Total loans | 123,838,000 | 121,656,000 | 120,658,000 | 118,593,000 |
| Allowance for loan losses | 1,345,000 | 2,048,000 | 2,016,000 | 2,164,000 |
| Securities available for sale | 43,698,000 | 51,147,000 | 47,848,000 | 48,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,404,000 | 145,307,000 | 144,871,000 | 143,660,000 |
| Interest-bearing deposits | 145,564,000 | 138,362,000 | 138,076,000 | 137,029,000 |
| Noninterest-bearing deposits | 8,840,000 | 6,945,000 | 6,795,000 | 6,631,000 |
| Equity capital | 19,702,000 | 17,533,000 | 16,986,000 | 17,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,673,000 | 5,126,000 | 7,435,000 | 9,639,000 |
| Interest expense | 1,676,000 | 3,121,000 | 4,581,000 | 5,966,000 |
| Net interest income | 997,000 | 2,005,000 | 2,854,000 | 3,673,000 |
| Noninterest income | 107,000 | 243,000 | -234,000 | -322,000 |
| Noninterest expense | 1,085,000 | 2,156,000 | 3,336,000 | 5,127,000 |
| Provision for loan losses | 22,000 | 818,000 | 903,000 | 1,194,000 |
| Pretax income | 5,000 | -715,000 | -1,605,000 | -2,961,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | -715,000 | -1,605,000 | -2,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,334,000 | 18,227,000 | 17,253,000 | 15,898,000 |
| Total capital | 20,679,000 | 20,036,000 | 18,991,000 | 17,572,000 |
| Risk-weighted assets | 145,735,000 | 144,485,000 | 138,768,000 | 133,471,000 |