Call reports 2006
WEST MICHIGAN BANK & TRUST — 2006
What WEST MICHIGAN BANK & TRUST 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 | 35,275,000 | 34,197,000 | 34,837,000 | 38,317,000 |
| Total loans | 8,309,000 | 8,610,000 | 9,182,000 | 9,275,000 |
| Allowance for loan losses | 232,000 | 232,000 | 232,000 | 231,000 |
| Securities available for sale | 18,959,000 | 18,845,000 | 19,207,000 | 19,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,096,000 | 27,090,000 | 27,360,000 | 30,751,000 |
| Interest-bearing deposits | 26,304,000 | 25,172,000 | 24,362,000 | 28,667,000 |
| Noninterest-bearing deposits | 1,792,000 | 1,918,000 | 2,998,000 | 2,084,000 |
| Equity capital | 7,052,000 | 6,965,000 | 7,337,000 | 7,434,000 |
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 | 446,000 | 897,000 | 1,346,000 | 1,806,000 |
| Interest expense | 121,000 | 254,000 | 394,000 | 536,000 |
| Net interest income | 325,000 | 643,000 | 952,000 | 1,270,000 |
| Noninterest income | 58,000 | 116,000 | 185,000 | 247,000 |
| Noninterest expense | 272,000 | 541,000 | 832,000 | 1,135,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 111,000 | 218,000 | 305,000 | 382,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 111,000 | 218,000 | 305,000 | 382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,633,000 | 7,666,000 | 7,696,000 | 7,698,000 |
| Total capital | 7,767,000 | 7,800,000 | 7,833,000 | 7,844,000 |
| Risk-weighted assets | 10,611,000 | 10,646,000 | 10,852,000 | 11,629,000 |
Machine access — free, no API key
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