Call reports 2007
MACOMB COMMUNITY BANK — 2007
What MACOMB COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 94,430,000 | 90,391,000 | 97,005,000 | 92,899,000 |
| Total loans | 88,024,000 | 87,080,000 | 93,033,000 | 87,764,000 |
| Allowance for loan losses | 1,895,000 | 2,075,000 | 2,022,000 | 2,283,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,917,000 | 75,074,000 | 73,848,000 | 83,019,000 |
| Interest-bearing deposits | 75,974,000 | 69,697,000 | 67,964,000 | 77,577,000 |
| Noninterest-bearing deposits | 4,942,000 | 5,377,000 | 5,884,000 | 5,441,000 |
| Equity capital | 8,584,000 | 8,326,000 | 8,499,000 | 8,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,289,000 | 4,871,000 | 6,409,000 |
| Interest expense | 1,041,000 | 2,011,000 | 3,002,000 | 3,990,000 |
| Net interest income | 702,000 | 1,278,000 | 1,869,000 | 2,419,000 |
| Noninterest income | 47,000 | 96,000 | 217,000 | 258,000 |
| Noninterest expense | 742,000 | 1,482,000 | 2,193,000 | 2,928,000 |
| Provision for loan losses | 395,000 | 668,000 | 1,166,000 | 1,437,000 |
| Pretax income | -388,000 | -776,000 | -1,273,000 | -1,688,000 |
| Income tax | -132,000 | -261,000 | -430,000 | -570,000 |
| Net income | -256,000 | -515,000 | -843,000 | -1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,801,000 | 7,543,000 | 7,716,000 | 7,440,000 |
| Total capital | 8,849,000 | 8,577,000 | 8,813,000 | 8,538,000 |
| Risk-weighted assets | 82,954,000 | 81,670,000 | 86,849,000 | 86,680,000 |