Call reports 2008
COMMUNITY CENTRAL BANK — 2008
What COMMUNITY CENTRAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 544,704,000 | 531,306,000 | 551,912,000 | 554,415,000 |
| Total loans | 395,170,000 | 396,146,000 | 399,542,000 | 410,419,000 |
| Allowance for loan losses | 6,855,000 | 7,019,000 | 7,796,000 | 7,315,000 |
| Securities available for sale | 75,894,000 | 72,791,000 | 65,748,000 | 76,552,000 |
| Securities held to maturity | 1,636,000 | 1,525,000 | 1,520,000 | 1,515,000 |
| Trading assets | 17,987,000 | 17,442,000 | 17,375,000 | 17,463,000 |
| Total deposits | 353,206,000 | 334,079,000 | 363,558,000 | 360,945,000 |
| Interest-bearing deposits | 316,232,000 | 293,707,000 | 320,633,000 | 326,737,000 |
| Noninterest-bearing deposits | 36,974,000 | 40,372,000 | 42,925,000 | 34,208,000 |
| Equity capital | 43,223,000 | 43,444,000 | 44,254,000 | 41,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,802,000 | 15,317,000 | 22,854,000 | 30,421,000 |
| Interest expense | 4,873,000 | 9,399,000 | 13,824,000 | 18,226,000 |
| Net interest income | 2,929,000 | 5,918,000 | 9,030,000 | 12,195,000 |
| Noninterest income | 841,000 | 2,265,000 | 3,187,000 | 3,645,000 |
| Noninterest expense | 3,425,000 | 6,999,000 | 10,730,000 | 16,124,000 |
| Provision for loan losses | 2,100,000 | 2,984,000 | 4,068,000 | 9,502,000 |
| Pretax income | -1,694,000 | -1,690,000 | -2,386,000 | -9,572,000 |
| Income tax | -678,000 | -751,000 | -1,049,000 | -3,555,000 |
| Net income | -1,016,000 | -939,000 | -1,337,000 | -6,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,675,000 | 42,755,000 | 43,355,000 | 39,928,000 |
| Total capital | 46,979,000 | 48,035,000 | 48,721,000 | 45,338,000 |
| Risk-weighted assets | 422,021,000 | 419,899,000 | 426,260,000 | 430,105,000 |