Call reports 2005
COMMUNITY CENTRAL BANK — 2005
What COMMUNITY CENTRAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 410,546,000 | 429,978,000 | 447,223,000 | 460,908,000 |
| Total loans | 312,759,000 | 327,528,000 | 335,246,000 | 339,237,000 |
| Allowance for loan losses | 3,436,000 | 3,874,000 | 3,671,000 | 3,580,000 |
| Securities available for sale | 62,223,000 | 63,489,000 | 77,549,000 | 84,177,000 |
| Securities held to maturity | 1,149,000 | 1,126,000 | 1,111,000 | 1,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,146,000 | 309,959,000 | 299,950,000 | 316,889,000 |
| Interest-bearing deposits | 263,320,000 | 270,446,000 | 264,175,000 | 284,886,000 |
| Noninterest-bearing deposits | 36,826,000 | 39,513,000 | 35,775,000 | 32,003,000 |
| Equity capital | 34,083,000 | 38,494,000 | 42,156,000 | 42,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,427,000 | 11,329,000 | 17,587,000 | 24,230,000 |
| Interest expense | 2,174,000 | 4,729,000 | 7,636,000 | 10,876,000 |
| Net interest income | 3,253,000 | 6,600,000 | 9,951,000 | 13,354,000 |
| Noninterest income | 918,000 | 2,075,000 | 3,457,000 | 4,772,000 |
| Noninterest expense | 2,678,000 | 5,613,000 | 8,901,000 | 12,179,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 1,423,000 | 3,011,000 | 4,464,000 | 5,903,000 |
| Income tax | 431,000 | 909,000 | 1,333,000 | 1,740,000 |
| Net income | 992,000 | 2,102,000 | 3,131,000 | 4,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,677,000 | 37,087,000 | 40,962,000 | 41,691,000 |
| Total capital | 37,113,000 | 40,961,000 | 44,633,000 | 45,271,000 |
| Risk-weighted assets | 308,724,000 | 321,290,000 | 338,547,000 | 348,832,000 |