Call reports 2008
WEST MICHIGAN BANK & TRUST — 2008
What WEST MICHIGAN BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,531,000 | 33,401,000 | 34,133,000 | 35,254,000 |
| Total loans | 8,129,000 | 8,550,000 | 8,428,000 | 9,157,000 |
| Allowance for loan losses | 230,000 | 231,000 | 231,000 | 231,000 |
| Securities available for sale | 14,746,000 | 13,942,000 | 18,701,000 | 23,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,547,000 | 25,742,000 | 26,683,000 | 27,230,000 |
| Interest-bearing deposits | 22,118,000 | 22,614,000 | 24,573,000 | 25,253,000 |
| Noninterest-bearing deposits | 2,428,000 | 3,128,000 | 2,110,000 | 1,977,000 |
| Equity capital | 7,846,000 | 7,526,000 | 7,341,000 | 7,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 748,000 | 1,108,000 | 1,485,000 |
| Interest expense | 109,000 | 190,000 | 268,000 | 334,000 |
| Net interest income | 285,000 | 558,000 | 840,000 | 1,151,000 |
| Noninterest income | 66,000 | 139,000 | 209,000 | 273,000 |
| Noninterest expense | 275,000 | 573,000 | 853,000 | 1,146,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 76,000 | 124,000 | 196,000 | 278,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | 124,000 | 196,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,754,000 | 7,722,000 | 7,719,000 | 7,743,000 |
| Total capital | 7,894,000 | 7,871,000 | 7,864,000 | 7,897,000 |
| Risk-weighted assets | 11,102,000 | 11,867,000 | 11,510,000 | 12,319,000 |
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