Call reports 2009
WEST MICHIGAN BANK & TRUST — 2009
What WEST MICHIGAN BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 33,864,000 | 33,365,000 | 35,735,000 | 36,663,000 |
| Total loans | 9,175,000 | 9,215,000 | 9,137,000 | 8,739,000 |
| Allowance for loan losses | 231,000 | 230,000 | 219,000 | 219,000 |
| Securities available for sale | 21,093,000 | 21,100,000 | 22,540,000 | 24,251,000 |
| Securities held to maturity | 0 | 0 | 530,000 | 530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,771,000 | 25,333,000 | 27,642,000 | 28,792,000 |
| Interest-bearing deposits | 24,440,000 | 23,873,000 | 26,162,000 | 27,054,000 |
| Noninterest-bearing deposits | 1,331,000 | 1,460,000 | 1,480,000 | 1,738,000 |
| Equity capital | 7,998,000 | 7,917,000 | 8,003,000 | 7,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 356,000 | 692,000 | 1,008,000 | 1,330,000 |
| Interest expense | 54,000 | 104,000 | 149,000 | 191,000 |
| Net interest income | 302,000 | 588,000 | 859,000 | 1,139,000 |
| Noninterest income | 66,000 | 141,000 | 206,000 | 274,000 |
| Noninterest expense | 295,000 | 595,000 | 880,000 | 1,154,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 134,000 | 185,000 | 259,000 |
| Income tax | -5,000 | -5,000 | -5,000 | -5,000 |
| Net income | 78,000 | 139,000 | 190,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,798,000 | 7,821,000 | 7,833,000 | 7,869,000 |
| Total capital | 7,950,000 | 7,973,000 | 7,988,000 | 8,026,000 |
| Risk-weighted assets | 12,113,000 | 12,114,000 | 12,333,000 | 12,509,000 |
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