Call reports 2010
COMMUNITY CAPITAL BANK — 2010
What COMMUNITY CAPITAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 205,737,000 | 198,812,000 | 198,248,000 | 192,001,000 |
| Total loans | 144,872,000 | 159,035,000 | 151,763,000 | 146,993,000 |
| Allowance for loan losses | 2,616,000 | 1,676,000 | 2,653,000 | 2,770,000 |
| Securities available for sale | 11,141,000 | 4,050,000 | 2,640,000 | 1,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,367,000 | 162,251,000 | 163,726,000 | 172,652,000 |
| Interest-bearing deposits | 160,262,000 | 154,479,000 | 156,486,000 | 159,549,000 |
| Noninterest-bearing deposits | 7,104,000 | 7,771,000 | 7,241,000 | 13,103,000 |
| Equity capital | 14,012,000 | 12,044,000 | 10,268,000 | 5,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,750,000 | 3,998,000 | 5,970,000 | 7,916,000 |
| Interest expense | 1,036,000 | 1,975,000 | 2,847,000 | 3,667,000 |
| Net interest income | 714,000 | 2,023,000 | 3,123,000 | 4,249,000 |
| Noninterest income | 693,000 | 1,639,000 | 3,034,000 | 4,171,000 |
| Noninterest expense | 2,152,000 | 6,118,000 | 8,629,000 | 11,598,000 |
| Provision for loan losses | 245,000 | 307,000 | 1,876,000 | 6,452,000 |
| Pretax income | -966,000 | -2,685,000 | -4,270,000 | -9,552,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -966,000 | -2,685,000 | -4,270,000 | -9,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,990,000 | 11,271,000 | 9,585,000 | 4,414,000 |
| Total capital | 14,833,000 | 12,947,000 | 11,430,000 | 6,198,000 |
| Risk-weighted assets | 146,665,000 | 152,696,000 | 146,817,000 | 141,875,000 |