Call reports 2007
COMMUNITY CENTRAL BANK — 2007
What COMMUNITY CENTRAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 519,301,000 | 501,397,000 | 520,124,000 | 518,552,000 |
| Total loans | 370,119,000 | 369,460,000 | 379,679,000 | 394,760,000 |
| Allowance for loan losses | 3,708,000 | 3,731,000 | 4,044,000 | 6,403,000 |
| Securities available for sale | 63,242,000 | 70,596,000 | 65,000,000 | 66,809,000 |
| Securities held to maturity | 1,022,000 | 992,000 | 984,000 | 977,000 |
| Trading assets | 26,642,000 | 25,819,000 | 20,028,000 | 20,115,000 |
| Total deposits | 360,123,000 | 339,506,000 | 348,228,000 | 334,409,000 |
| Interest-bearing deposits | 325,756,000 | 303,202,000 | 310,308,000 | 302,752,000 |
| Noninterest-bearing deposits | 34,367,000 | 36,304,000 | 37,920,000 | 31,657,000 |
| Equity capital | 45,143,000 | 44,651,000 | 44,919,000 | 43,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,108,000 | 16,341,000 | 24,798,000 | 32,925,000 |
| Interest expense | 4,904,000 | 9,719,000 | 14,673,000 | 19,506,000 |
| Net interest income | 3,204,000 | 6,622,000 | 10,125,000 | 13,419,000 |
| Noninterest income | 1,189,000 | 2,310,000 | 3,025,000 | 4,029,000 |
| Noninterest expense | 3,236,000 | 6,341,000 | 9,603,000 | 13,061,000 |
| Provision for loan losses | 50,000 | 225,000 | 1,000,000 | 3,600,000 |
| Pretax income | 1,107,000 | 2,353,000 | 2,503,000 | 713,000 |
| Income tax | 256,000 | 533,000 | 528,000 | -212,000 |
| Net income | 851,000 | 1,820,000 | 1,975,000 | 925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,015,000 | 44,503,000 | 44,228,000 | 42,899,000 |
| Total capital | 47,723,000 | 48,234,000 | 48,272,000 | 48,119,000 |
| Risk-weighted assets | 400,824,000 | 402,153,000 | 411,381,000 | 415,834,000 |