UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C. 20549
 FORM 10-K
 þ
    
    ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 For the fiscal year ended December 31, 2009
 Commission File No. 000-33373
 COMMUNITY CENTRAL BANK CORPORATION
  Michigan
    
    38-3291744(State or other jurisdiction of incorporation or organization)
    
    (IRS Employer Identification No.)
 100 N. Main Street, Mount Clemens, Michigan 48043-5605
 (Registrants telephone number, including area code)
  Title of Each Class
    
    Name of Each Exchange on Which RegisteredCommon Stock, no par value
    
    Nasdaq Capital Markets
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  Large accelerated filer o
    
    Accelerated filer o
    
    Non-accelerated filer o
(Do not check if a smaller reporting company)
    
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DISCLOSURE REGARDING FORWARD-LOOKING STATEMENTS
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PART I
 Item 1. Business
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Effect of Government Monetary Policies.
 Regulation and Supervision.
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Employees.
 Competition.
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Executive Officers.
 Name and Position
    
    Position Held Since
    
    
    AgeDavid A. Widlak
President and CEO of Community Central
    
    
    2003
    
    
    
    61Bank Corporation

President and CEO Community Central Bank
    
    
    2007Ray T. Colonius
EVP & Chief Financial Officer of
    
    
    1999
    
    
    
    52Community Central Bank Corporation and
Community Central BankSam A. Locricchio
EVP & Sr. Loan Officer of
Community Central Bank
    
    
    2003
    
    
    
    60
 Item 1A. Risk Factors
 An investment in our stock involves a number of risks. Before making an investment decision,
you should carefully consider all of the risks described in this document. If any of the risks
discussed in this document occur, our business, financial condition, liquidity and results of
operations could be materially and adversely affected. Additional risks and uncertainties not
presently known to us also may adversely affect our business, financial condition, liquidity and
results of operations.
 The United States economy remains weak and unemployment levels are high. A prolonged economic
downturn, especially one affecting our geographic market area, will adversely affect our business
and financial results.
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Current levels of market volatility are unprecedented and may adversely affect us.
  Continued deterioration of the economy and real estate market in Michigan could hurt our business.
  Our business is subject to various lending risks depending on the nature of the borrowers
business, its cash flow and our collateral.
 Our commercial real estate loans involve higher principal amounts than other loans, and
repayment of these loans may be dependent on factors outside our control or the control of
our borrowers.
 Repayment of our commercial and industrial loans is often dependent on cash flow of the
borrower, which may be unpredictable, and collateral securing these loans may fluctuate in
value.
 Our construction and land development loans are based upon estimates of costs to
construct and value associated with the completed project.
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We may elect, or be required, to make further increases in our provisions for loan losses and to
charge off additional loans in the future, which could adversely affect our results of operations.
  If our allowance for loan losses is not sufficient to cover actual loan losses, or if we are
required to increase our provision for loan losses, our results of operations and financial
condition could be materially adversely affected.
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Changes in economic conditions or interest rates may negatively affect our earnings, capital and
liquidity.
  Higher Federal Deposit Insurance Corporation insurance premiums and special assessments will
adversely affect our earnings.
   Our funding sources may prove insufficient which may impair our ability to fund operations and
jeopardize our financial condition..
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We may elect or be compelled to seek additional capital in the future, but that capital may not be
available when it is needed.
   Changes in laws and regulations and the cost of regulatory compliance with new laws and regulations
may adversely affect our operations and our income.
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We rely heavily on our management and other key personnel, and the loss of any of them may
adversely effect our operations.
  Our future success is dependent on our ability to compete effectively in the highly competitive
banking industry.
  We continually encounter technological changes, and we may have fewer resources than our
competitors to continue to invest in technological improvements.
  Our articles of incorporation and by-laws and Michigan laws contain certain provisions that could
make a takeover more difficult.
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Our ability to pay dividends is limited by law and contract.
  There is a limited trading market for our common stock.
   Item 1B. Unresolved Staff Comments
  Item 2. Properties
  Item 3. Legal Proceedings
  Item 4. (Removed and Reserved)
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PART II
 Item 5. Market for Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of
Equity Securities.
  Item 6. Selected Financial Data
  Item 7. Managements Discussion and Analysis of Financial Condition and Results of Operations.
  Item 7A. Quantitative and Qualitative Disclosure About Market Risk.
  Item 8. Financial Statements and Supplementary Data
  Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
  Item 9A(T). Controls and Procedures
 Evaluation of Disclosure Controls and Procedures:
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Managements Report on Internal Control Over Financial Reporting
 Internal Control  Integrated Framework
  Changes in Internal Control Over Financial Reporting:
 Item 9B. Other Information
  PART III
 Item 10. Directors, Executive Officers and Corporate Governance.
 Directors .
 Executive Officers.
 Audit Committee and Audit Committee Financial Expert.
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Compliance with Section 16(a) .
 Code of Ethics.
 Item 11. Executive Compensation.
  Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder
Matters.
   Number of securitiesremaining availablefor futureWeighted-average
    
    issuance under equityNumber of securities to be
    
    exercise
    
    compensation plans.issued upon exercise of
    
    price of outstanding
    
    (excludingoutstanding Option,
    
    options, warrants and
    
    securities reflectedwarrants and rights.
    
    rights.
    
    in column (a)).Plan Category
    
    (a)
    
    (b)
    
    (c)Equity Compensation plans approved by security holders
    
    
    351,487
    
    
    $
    6.99
    
    
    
    18,467
    (1)Equity compensation plans not approved by security holders
    
    None
    
    
    None
    
    
    NoneTotal
    
    
    351,487
    
    
    $
    6.99
    
    
    
    18,467
 
 (1)
    
    All of these shares are available for future issuance as stock awards, as well as option
or stock appreciation right awards, under the 2002 Incentive Plan. Item 13. Certain Relationships and Related Transactions, and Director Independence.
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Item 14. Principal Accounting Fees and Services.
  Part IV
 Item 15. Exhibits, Financial Statement Schedules
 (a)(1)
    
    Financial Statements. The following financial statements and reports of Independent
Registered Public Accounting Firm of Community Central Bank Corporation are filed as
part of this report:Reports of Independent Registered Public Accounting Firm dated March 30, 2010Consolidated Balance Sheet  December 31, 2009 and 2008Consolidated Statement of Income for each of the three years in the period ended
December 31, 2009Consolidated Statement of Comprehensive Income for each of the three years in
the period ended December 31, 2009Consolidated Statements of Changes in Stockholders Equity for each of the three
years in the period ended December 31, 2009Consolidated Statement of Cash Flow for each of the three years in the period
ended December 31, 2009Notes to Consolidated Financial Statements, the financial statements, the notes
to financial statements, and the report of independent registered public
accounting firm listed above are incorporated by reference in Item 8 of this
report.(a)(2)
    
    Financial Statement SchedulesNot applicable.(a)(3)
    
    See Exhibits below
 (b) Exhibits
  3.1
    
    Articles of Incorporation are incorporated by reference to Exhibit 3.1 of the
Corporations Registration Statement on Form SB-2 (SEC File No. 333-04113).3.2
    
    Bylaws, as amended, of the Corporation are incorporated by reference to Exhibit
3 of the Corporations Current Report on Form 8-Kfiled on September 19, 2007 (SEC File
No. 000-33373).4.1
    
    Specimen stock certificate of Community Central Bank Corporation is
incorporated by reference to Exhibit 4.2 of the Corporations Registration
Statement on Form SB-2 (SEC File No. 333-04113).4.2
    
    Certificate of Designation of Community Central Bank Corporation filed
on December 30, 2008 with the State of Michigan designating the preferences,
limitations, voting powers and relative rights of the Series A Preferred Stock,
is incorporated by reference to Exhibit 4.1 of the Corporations Current Report
on Form 8-K filed on January 6, 2009 (SEC File No. 000-33373).4.3
    
    Certificate of Designation of Community Central Bank Corporation filed
on October 2, 2009 with the State of Michigan designating the preferences,
limitations, voting powers and relative rights of the Series B Preferred Stock,
is incorporated by reference to Exhibit 4.1 of the Corporations Current Report
on Form 8-K filed on October 5, 2009 (SEC File No. 000-33373).
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4.4
    
    Form of Warrant Agreement issued in connection with the sale of the
Corporation Series B Preferred Stock, is incorporated by reference to
Exhibit 4.4 of the Corporations Quarterly Report on Form 10-Q for the quarter
ended September 30, 2009 (SEC File No. 000-33373).4.5
    
    Certificate of Designation of Community Central Bank Corporation filed
on January 15, 2010 with the State of Michigan designating the preferences,
limitations, voting powers and relative rights of the Series C Preferred Stock,
is incorporated by reference to Exhibit 4.1 of the Corporations Current Report
on Form 8-K filed on October 5, 2009 (SEC File No. 000-33373).10.1
    
    1996 Employee Stock Option Plan is incorporated by reference to Exhibit 10.1 of
the Corporations Registration Statement on Form SB-2 (SEC File No. 333-04113).10.2
    
    2000 Employee Stock Option Plan is incorporated by reference to Exhibit 10.6 of
the Corporations Annual Report on Form 10-KSB for the year ended December 31, 2000
(SEC File No. 000-33373).10.3
    
    2002 Incentive Plan is incorporated by reference to Exhibit 10.7 of the
Corporations Annual Report on Form 10-KSB for the year ended December 31, 2001 (SEC
File No. 000-33373).10.4
    
    Community Central Bank Supplemental Executive Retirement Plan, as amended, and
Individual Participant Agreements are incorporated by reference to Exhibit 10.6 of the
Corporations Annual Report on Form 10-K for the year ended December 31, 2006 (SEC File
No. 000-33373).10.5
    
    Community Central Bank Death Benefit Plan, as amended, is incorporated by
reference to Exhibit 10.7 of the Corporations Annual Report on Form 10-K for the year
ended December 31, 2006 (SEC File No. 000-33373).10.6
    
    Form of Incentive Stock Option Agreement incorporated by reference to Exhibit
99.1 of the Corporations Current Report on Form 8-K filed on March 25, 2005. (SEC
File No. 000-33373)10.7
    
    Form of Non-qualified Stock Option Agreement incorporated by reference to
Exhibit 99.1 of the Corporations Current Report on Form 8-K filed on January 17, 2006.
(SEC File No. 000-33373)10.8
    
    Summary of Current Director Fee Arrangements is incorporated by reference to
Exhibit 10.10 of the Corporations Annual Report on Form 10-KSB for the year ended
December 31, 2004. (SEC File No. 000-33373)11
    
    Computation of Per Share Earnings13
    
    2009 Stockholder Report (Except for the portions of the 2009 Stockholder Report
that are expressly incorporated by reference in this Annual Report on Form 10-K, the
2009 Stockholder Report of the Corporation shall not be deemed filed as a part hereof.)14
    
    Code of Business Conduct and Ethics is incorporated by reference to Exhibit 14
of the Corporations Form 10-KSB for the year ended December 31, 2003 (SEC File No.
000-33373).21
    
    List of subsidiaries of the Corporation23
    
    Consent of Independent Registered Public Accounting Firm31.1
    
    Rule 13a  14(a) Certification (Chief Executive Officer)31.2
    
    Rule 13a  14(a) Certification (Chief Financial Officer)32
    
    Rule 1350 Certifications
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SIGNATURE
  COMMUNITY CENTRAL BANK CORPORATION/S/ DAVID A. WIDLAKDavid A. Widlak; President and
Chief Executive Officer
(Duly authorized officer)  /S/ GEBRAN S. ANTON
    
    /S/ JAMES T. MESTDAGHGebran S. Anton; Director
    
    James T. Mestdagh; Director/S/ SALVATORE COTTONE
    
    /S/ DEAN S. PETITPRENSalvatore Cottone; Director
    
    Dean S. Petitpren; Chairman Director/S/ CELESTINA GILES
    
    /S/ JOHN W. STROH, IIICelestina Giles; Director
    
    John W. Stroh, III; Director/S/ JOSEPH F. JEANNETTE
    
    /S/ DAVID E. WEBERJoseph F. Jeannette; Director
    
    David E. Weber; Director/S/ RAY T. COLONIUS
    
    /S/ DAVID A. WIDLAKRay T. Colonius, EVP & CFO
(principal financial and accounting officer)
    
    David A. Widlak; President and CEO and Director
(principal executive officer)
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EXHIBIT NUMBER
    
    EXHIBIT DESCRIPTION11
    
    Computation of Per Share Earnings13
    
    2009 Stockholder Report. Except for the portions of the 2009 Stockholder
Report that are expressly incorporated by reference in this Annual Report on Form 10-K,
the 2009 Stockholder Report of the Corporation shall not be deemed filed as a part
hereof.21
    
    List of subsidiaries of the Corporation23
    
    Consent of Independent Registered Public Accounting Firm31.1
    
    Rule 13a  14(a) Certification (Chief Executive Officer)31.2
    
    Rule 13a  14(a) Certification (Chief Financial Officer)32
    
    Rule 1350 Certification
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