Call reports 2010
WEST MICHIGAN BANK & TRUST — 2010
What WEST MICHIGAN BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 35,690,000 | 39,740,000 | 40,622,000 | 38,577,000 |
| Total loans | 8,437,000 | 8,162,000 | 7,407,000 | 7,331,000 |
| Allowance for loan losses | 219,000 | 215,000 | 217,000 | 185,000 |
| Securities available for sale | 22,411,000 | 24,232,000 | 28,388,000 | 27,892,000 |
| Securities held to maturity | 530,000 | 530,000 | 530,000 | 530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,687,000 | 31,500,000 | 32,377,000 | 31,787,000 |
| Interest-bearing deposits | 26,266,000 | 29,868,000 | 30,009,000 | 29,952,000 |
| Noninterest-bearing deposits | 1,421,000 | 1,632,000 | 2,368,000 | 1,835,000 |
| Equity capital | 7,940,000 | 8,138,000 | 8,161,000 | 6,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 315,000 | 629,000 | 939,000 | 1,239,000 |
| Interest expense | 36,000 | 73,000 | 109,000 | 142,000 |
| Net interest income | 279,000 | 556,000 | 830,000 | 1,097,000 |
| Noninterest income | 65,000 | 140,000 | 205,000 | 269,000 |
| Noninterest expense | 291,000 | 600,000 | 892,000 | 1,179,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 53,000 | 96,000 | 143,000 | 187,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 53,000 | 95,000 | 142,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,883,000 | 7,886,000 | 7,893,000 | 7,899,000 |
| Total capital | 8,031,000 | 8,041,000 | 8,048,000 | 8,060,000 |
| Risk-weighted assets | 11,787,000 | 12,355,000 | 12,317,000 | 12,505,000 |
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