Call reports 2002
MACOMB COMMUNITY BANK — 2002
What MACOMB COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 86,838,000 | 86,801,000 | 86,072,000 | 87,050,000 |
| Total loans | 74,751,000 | 72,476,000 | 70,783,000 | 74,193,000 |
| Allowance for loan losses | 1,088,000 | 1,238,000 | 1,083,000 | 1,136,000 |
| Securities available for sale | 508,000 | 504,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,690,000 | 73,808,000 | 73,804,000 | 74,185,000 |
| Interest-bearing deposits | 65,168,000 | 62,457,000 | 64,001,000 | 62,284,000 |
| Noninterest-bearing deposits | 8,522,000 | 11,351,000 | 9,803,000 | 11,901,000 |
| Equity capital | 9,734,000 | 9,679,000 | 9,472,000 | 9,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,461,000 | 2,895,000 | 4,305,000 | 5,629,000 |
| Interest expense | 598,000 | 1,158,000 | 1,681,000 | 2,181,000 |
| Net interest income | 863,000 | 1,737,000 | 2,624,000 | 3,448,000 |
| Noninterest income | 40,000 | 87,000 | 136,000 | 183,000 |
| Noninterest expense | 474,000 | 1,010,000 | 1,547,000 | 2,079,000 |
| Provision for loan losses | 0 | 150,000 | 549,000 | 748,000 |
| Pretax income | 429,000 | 664,000 | 664,000 | 804,000 |
| Income tax | 146,000 | 227,000 | 226,000 | 274,000 |
| Net income | 283,000 | 437,000 | 438,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,947,000 | 8,894,000 | 8,689,000 | 8,574,000 |
| Total capital | 9,873,000 | 9,801,000 | 9,570,000 | 9,496,000 |
| Risk-weighted assets | 73,884,000 | 72,263,000 | 70,279,000 | 73,552,000 |