Call reports 2009
COMMUNITY CAPITAL BANK — 2009
What COMMUNITY CAPITAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 200,509,000 | 197,615,000 | 202,109,000 | 198,599,000 |
| Total loans | 116,643,000 | 119,414,000 | 129,610,000 | 137,895,000 |
| Allowance for loan losses | 2,185,000 | 2,342,000 | 2,422,000 | 2,517,000 |
| Securities available for sale | 46,451,000 | 36,789,000 | 32,726,000 | 13,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,772,000 | 157,406,000 | 161,477,000 | 159,223,000 |
| Interest-bearing deposits | 152,176,000 | 151,456,000 | 155,129,000 | 152,970,000 |
| Noninterest-bearing deposits | 6,597,000 | 5,950,000 | 6,348,000 | 6,253,000 |
| Equity capital | 17,624,000 | 16,151,000 | 16,419,000 | 15,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,037,000 | 3,904,000 | 6,074,000 | 8,013,000 |
| Interest expense | 1,317,000 | 2,589,000 | 3,847,000 | 4,991,000 |
| Net interest income | 720,000 | 1,315,000 | 2,227,000 | 3,022,000 |
| Noninterest income | -56,000 | 43,000 | 393,000 | 1,353,000 |
| Noninterest expense | 1,295,000 | 2,784,000 | 4,752,000 | 7,358,000 |
| Provision for loan losses | 320,000 | 503,000 | 782,000 | 940,000 |
| Pretax income | -922,000 | -1,826,000 | -2,811,000 | -3,516,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -922,000 | -1,826,000 | -2,811,000 | -3,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,677,000 | 14,752,000 | 14,661,000 | 13,957,000 |
| Total capital | 17,371,000 | 16,430,000 | 16,389,000 | 15,709,000 |
| Risk-weighted assets | 135,030,000 | 134,179,000 | 137,518,000 | 139,317,000 |