Call reports 2007
WEST MICHIGAN BANK & TRUST — 2007
What WEST MICHIGAN BANK & TRUST 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 | 37,634,000 | 35,382,000 | 32,866,000 | 32,428,000 |
| Total loans | 8,637,000 | 9,206,000 | 9,115,000 | 9,286,000 |
| Allowance for loan losses | 231,000 | 231,000 | 231,000 | 231,000 |
| Securities available for sale | 19,353,000 | 18,238,000 | 17,457,000 | 14,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,893,000 | 27,707,000 | 24,917,000 | 24,474,000 |
| Interest-bearing deposits | 27,884,000 | 25,833,000 | 22,824,000 | 21,995,000 |
| Noninterest-bearing deposits | 2,009,000 | 1,874,000 | 2,093,000 | 2,479,000 |
| Equity capital | 7,588,000 | 7,509,000 | 7,780,000 | 7,794,000 |
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 | 506,000 | 1,004,000 | 1,490,000 | 1,943,000 |
| Interest expense | 153,000 | 305,000 | 455,000 | 590,000 |
| Net interest income | 353,000 | 699,000 | 1,035,000 | 1,353,000 |
| Noninterest income | 65,000 | 127,000 | 188,000 | 251,000 |
| Noninterest expense | 291,000 | 582,000 | 849,000 | 1,234,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | 244,000 | 374,000 | 370,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 244,000 | 374,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,748,000 | 7,787,000 | 7,839,000 | 7,759,000 |
| Total capital | 7,910,000 | 7,948,000 | 7,992,000 | 7,912,000 |
| Risk-weighted assets | 12,882,000 | 12,811,000 | 12,177,000 | 12,147,000 |
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