Call reports 2006
MACOMB COMMUNITY BANK — 2006
What MACOMB COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 98,091,000 | 95,545,000 | 104,544,000 | 101,353,000 |
| Total loans | 94,784,000 | 90,905,000 | 89,693,000 | 88,470,000 |
| Allowance for loan losses | 1,417,000 | 1,525,000 | 1,348,000 | 1,670,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,361,000 | 81,654,000 | 90,496,000 | 87,415,000 |
| Interest-bearing deposits | 70,200,000 | 75,575,000 | 85,190,000 | 81,328,000 |
| Noninterest-bearing deposits | 6,161,000 | 6,079,000 | 5,306,000 | 6,087,000 |
| Equity capital | 8,755,000 | 8,936,000 | 9,035,000 | 8,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,731,000 | 3,557,000 | 5,479,000 | 7,367,000 |
| Interest expense | 824,000 | 1,735,000 | 2,692,000 | 3,779,000 |
| Net interest income | 907,000 | 1,822,000 | 2,787,000 | 3,588,000 |
| Noninterest income | 39,000 | 218,000 | 300,000 | 346,000 |
| Noninterest expense | 745,000 | 1,450,000 | 2,250,000 | 2,978,000 |
| Provision for loan losses | 243,000 | 358,000 | 455,000 | 866,000 |
| Pretax income | -42,000 | 232,000 | 382,000 | 90,000 |
| Income tax | -15,000 | 79,000 | 130,000 | 32,000 |
| Net income | -27,000 | 153,000 | 252,000 | 58,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,972,000 | 8,153,000 | 8,252,000 | 8,058,000 |
| Total capital | 9,106,000 | 9,225,000 | 9,337,000 | 9,126,000 |
| Risk-weighted assets | 90,453,000 | 85,325,000 | 86,502,000 | 84,848,000 |