Call reports 2005
MACOMB COMMUNITY BANK — 2005
What MACOMB COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 97,832,000 | 94,590,000 | 88,365,000 | 93,497,000 |
| Total loans | 93,475,000 | 91,256,000 | 85,251,000 | 91,133,000 |
| Allowance for loan losses | 1,178,000 | 1,432,000 | 1,234,000 | 1,422,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,315,000 | 72,761,000 | 66,938,000 | 67,391,000 |
| Interest-bearing deposits | 71,904,000 | 66,161,000 | 59,894,000 | 61,004,000 |
| Noninterest-bearing deposits | 6,411,000 | 6,600,000 | 7,045,000 | 6,387,000 |
| Equity capital | 8,857,000 | 8,676,000 | 8,738,000 | 8,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 3,072,000 | 4,616,000 | 6,231,000 |
| Interest expense | 522,000 | 1,098,000 | 1,687,000 | 2,379,000 |
| Net interest income | 1,024,000 | 1,974,000 | 2,929,000 | 3,852,000 |
| Noninterest income | 79,000 | 111,000 | 263,000 | 266,000 |
| Noninterest expense | 660,000 | 1,426,000 | 2,049,000 | 2,758,000 |
| Provision for loan losses | 32,000 | 272,000 | 283,000 | 688,000 |
| Pretax income | 411,000 | 387,000 | 860,000 | 672,000 |
| Income tax | 140,000 | 132,000 | 293,000 | 229,000 |
| Net income | 271,000 | 255,000 | 567,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,074,000 | 7,893,000 | 7,955,000 | 7,630,000 |
| Total capital | 9,221,000 | 9,011,000 | 8,983,000 | 8,723,000 |
| Risk-weighted assets | 91,730,000 | 89,088,000 | 82,031,000 | 87,083,000 |