Call reports 2003
MACOMB COMMUNITY BANK — 2003
What MACOMB COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 88,748,000 | 95,404,000 | 90,995,000 | 86,001,000 |
| Total loans | 78,987,000 | 81,946,000 | 84,385,000 | 82,411,000 |
| Allowance for loan losses | 1,142,000 | 1,137,000 | 1,050,000 | 1,102,000 |
| Securities available for sale | 504,000 | 505,000 | 502,000 | 501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,084,000 | 83,071,000 | 78,718,000 | 73,752,000 |
| Interest-bearing deposits | 66,978,000 | 74,423,000 | 71,071,000 | 67,212,000 |
| Noninterest-bearing deposits | 9,106,000 | 8,648,000 | 7,647,000 | 6,540,000 |
| Equity capital | 9,124,000 | 8,803,000 | 8,708,000 | 8,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,308,000 | 2,741,000 | 4,108,000 | 5,520,000 |
| Interest expense | 493,000 | 1,025,000 | 1,465,000 | 1,903,000 |
| Net interest income | 815,000 | 1,716,000 | 2,643,000 | 3,617,000 |
| Noninterest income | 64,000 | 108,000 | 119,000 | 182,000 |
| Noninterest expense | 572,000 | 1,198,000 | 1,785,000 | 2,318,000 |
| Provision for loan losses | 350,000 | 844,000 | 1,024,000 | 1,083,000 |
| Pretax income | -43,000 | -218,000 | -47,000 | 398,000 |
| Income tax | -14,000 | -74,000 | -15,000 | 136,000 |
| Net income | -29,000 | -144,000 | -32,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,339,000 | 8,018,000 | 7,924,000 | 8,011,000 |
| Total capital | 9,312,000 | 9,034,000 | 8,948,000 | 9,005,000 |
| Risk-weighted assets | 77,645,000 | 81,163,000 | 81,854,000 | 79,440,000 |