Call reports 2004
COMMUNITY CENTRAL BANK — 2004
What COMMUNITY CENTRAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 371,125,000 | 413,149,000 | 388,643,000 | 390,468,000 |
| Total loans | 302,228,000 | 303,269,000 | 300,391,000 | 311,930,000 |
| Allowance for loan losses | 3,699,000 | 3,263,000 | 3,376,000 | 3,377,000 |
| Securities available for sale | 44,995,000 | 55,629,000 | 54,627,000 | 51,425,000 |
| Securities held to maturity | 858,000 | 957,000 | 1,182,000 | 1,161,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,859,000 | 311,907,000 | 275,188,000 | 280,109,000 |
| Interest-bearing deposits | 244,662,000 | 276,071,000 | 240,589,000 | 248,020,000 |
| Noninterest-bearing deposits | 30,197,000 | 35,836,000 | 34,599,000 | 32,089,000 |
| Equity capital | 31,044,000 | 31,367,000 | 32,865,000 | 33,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,664,000 | 9,567,000 | 14,558,000 | 19,725,000 |
| Interest expense | 1,788,000 | 3,630,000 | 5,500,000 | 7,416,000 |
| Net interest income | 2,876,000 | 5,937,000 | 9,058,000 | 12,309,000 |
| Noninterest income | 1,463,000 | 3,203,000 | 4,950,000 | 6,353,000 |
| Noninterest expense | 3,316,000 | 6,228,000 | 9,508,000 | 12,530,000 |
| Provision for loan losses | 125,000 | 1,600,000 | 1,850,000 | 2,000,000 |
| Pretax income | 1,035,000 | 1,432,000 | 2,822,000 | 4,323,000 |
| Income tax | 299,000 | 364,000 | 771,000 | 1,234,000 |
| Net income | 736,000 | 1,068,000 | 2,051,000 | 3,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,960,000 | 31,126,000 | 31,944,000 | 32,972,000 |
| Total capital | 33,604,000 | 34,389,000 | 35,320,000 | 36,349,000 |
| Risk-weighted assets | 291,325,000 | 301,496,000 | 297,778,000 | 302,860,000 |