Call reports 2005
WEST MICHIGAN BANK & TRUST — 2005
What WEST MICHIGAN BANK & TRUST 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 | 37,217,000 | 37,869,000 | 38,969,000 | 38,111,000 |
| Total loans | 8,434,000 | 7,949,000 | 8,070,000 | 8,520,000 |
| Allowance for loan losses | 232,000 | 232,000 | 232,000 | 232,000 |
| Securities available for sale | 20,321,000 | 20,386,000 | 20,185,000 | 19,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,921,000 | 30,448,000 | 31,695,000 | 30,815,000 |
| Interest-bearing deposits | 26,528,000 | 27,806,000 | 29,018,000 | 28,108,000 |
| Noninterest-bearing deposits | 3,393,000 | 2,642,000 | 2,677,000 | 2,707,000 |
| Equity capital | 7,168,000 | 7,272,000 | 7,114,000 | 7,138,000 |
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 | 379,000 | 780,000 | 1,202,000 | 1,659,000 |
| Interest expense | 69,000 | 149,000 | 245,000 | 358,000 |
| Net interest income | 310,000 | 631,000 | 957,000 | 1,301,000 |
| Noninterest income | 55,000 | 115,000 | 185,000 | 255,000 |
| Noninterest expense | 252,000 | 517,000 | 791,000 | 1,050,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 229,000 | 351,000 | 506,000 |
| Income tax | 0 | 0 | 0 | 20,000 |
| Net income | 113,000 | 229,000 | 351,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,421,000 | 7,466,000 | 7,515,000 | 7,598,000 |
| Total capital | 7,584,000 | 7,626,000 | 7,680,000 | 7,743,000 |
| Risk-weighted assets | 13,005,000 | 12,746,000 | 13,171,000 | 11,486,000 |
Machine access — free, no API key
Every figure shown here about WEST MICHIGAN BANK & TRUST — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.