Call reports 2004
MACOMB COMMUNITY BANK — 2004
What MACOMB COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,377,000 | 91,381,000 | 95,965,000 | 94,847,000 |
| Total loans | 85,171,000 | 86,944,000 | 92,521,000 | 91,338,000 |
| Allowance for loan losses | 1,155,000 | 1,269,000 | 1,309,000 | 1,327,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,046,000 | 76,766,000 | 78,738,000 | 79,120,000 |
| Interest-bearing deposits | 70,294,000 | 68,695,000 | 71,830,000 | 71,253,000 |
| Noninterest-bearing deposits | 6,752,000 | 8,071,000 | 6,908,000 | 7,867,000 |
| Equity capital | 8,792,000 | 8,693,000 | 8,771,000 | 8,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,373,000 | 2,674,000 | 4,108,000 | 5,624,000 |
| Interest expense | 404,000 | 784,000 | 1,203,000 | 1,681,000 |
| Net interest income | 969,000 | 1,890,000 | 2,905,000 | 3,943,000 |
| Noninterest income | 55,000 | 96,000 | 134,000 | 162,000 |
| Noninterest expense | 648,000 | 1,295,000 | 1,904,000 | 2,537,000 |
| Provision for loan losses | 66,000 | 218,000 | 230,000 | 252,000 |
| Pretax income | 310,000 | 473,000 | 905,000 | 1,316,000 |
| Income tax | 106,000 | 161,000 | 309,000 | 449,000 |
| Net income | 204,000 | 312,000 | 596,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,009,000 | 7,910,000 | 7,988,000 | 8,053,000 |
| Total capital | 9,045,000 | 8,967,000 | 9,105,000 | 9,152,000 |
| Risk-weighted assets | 82,762,000 | 84,346,000 | 89,176,000 | 87,713,000 |