Call reports 2009
COMMUNITY CENTRAL BANK — 2009
What COMMUNITY CENTRAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 557,618,000 | 556,523,000 | 548,886,000 | 546,407,000 |
| Total loans | 432,455,000 | 421,564,000 | 415,559,000 | 406,664,000 |
| Allowance for loan losses | 8,322,000 | 9,809,000 | 12,195,000 | 12,957,000 |
| Securities available for sale | 69,525,000 | 63,753,000 | 64,939,000 | 65,903,000 |
| Securities held to maturity | 1,510,000 | 3,494,000 | 3,480,000 | 3,466,000 |
| Trading assets | 1,737,000 | 0 | 0 | 0 |
| Total deposits | 370,007,000 | 371,329,000 | 371,721,000 | 401,978,000 |
| Interest-bearing deposits | 322,148,000 | 321,101,000 | 313,451,000 | 356,241,000 |
| Noninterest-bearing deposits | 47,859,000 | 50,228,000 | 58,270,000 | 45,737,000 |
| Equity capital | 44,972,000 | 43,787,000 | 42,045,000 | 34,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,317,000 | 14,780,000 | 22,021,000 | 28,798,000 |
| Interest expense | 4,225,000 | 8,282,000 | 11,994,000 | 15,590,000 |
| Net interest income | 3,092,000 | 6,498,000 | 10,027,000 | 13,208,000 |
| Noninterest income | 455,000 | 2,154,000 | 2,449,000 | 2,944,000 |
| Noninterest expense | 3,460,000 | 7,746,000 | 11,737,000 | 17,534,000 |
| Provision for loan losses | 2,550,000 | 5,250,000 | 9,650,000 | 14,850,000 |
| Pretax income | -2,335,000 | -3,988,000 | -8,475,000 | -15,506,000 |
| Income tax | -843,000 | -1,443,000 | -3,010,000 | 404,000 |
| Net income | -1,492,000 | -2,545,000 | -5,465,000 | -15,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,088,000 | 40,498,000 | 36,794,000 | 31,133,000 |
| Total capital | 47,484,000 | 45,769,000 | 41,976,000 | 36,102,000 |
| Risk-weighted assets | 428,759,000 | 416,384,000 | 407,519,000 | 389,547,000 |