Call reports 2009
WEST MICHIGAN COMMUNITY BANK — 2009
What WEST MICHIGAN COMMUNITY BANK 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 | 164,237,000 | 163,445,000 | 152,045,000 | 148,338,000 |
| Total loans | 135,301,000 | 128,583,000 | 123,288,000 | 116,219,000 |
| Allowance for loan losses | 3,019,000 | 3,432,000 | 3,417,000 | 2,137,000 |
| Securities available for sale | 10,781,000 | 12,374,000 | 11,930,000 | 9,694,000 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,848,000 | 142,192,000 | 131,338,000 | 129,543,000 |
| Interest-bearing deposits | 126,842,000 | 128,666,000 | 119,044,000 | 117,804,000 |
| Noninterest-bearing deposits | 13,006,000 | 13,526,000 | 12,294,000 | 11,739,000 |
| Equity capital | 14,194,000 | 10,464,000 | 10,398,000 | 10,520,000 |
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 | 2,239,000 | 4,296,000 | 6,311,000 | 8,270,000 |
| Interest expense | 964,000 | 1,945,000 | 2,839,000 | 3,661,000 |
| Net interest income | 1,275,000 | 2,351,000 | 3,472,000 | 4,609,000 |
| Noninterest income | 295,000 | 577,000 | 847,000 | 1,044,000 |
| Noninterest expense | 1,352,000 | 3,021,000 | 4,289,000 | 5,576,000 |
| Provision for loan losses | 230,000 | 2,485,000 | 2,675,000 | 3,683,000 |
| Pretax income | -12,000 | -2,578,000 | -2,633,000 | -3,594,000 |
| Income tax | 0 | 1,166,000 | 1,148,000 | 190,000 |
| Net income | -12,000 | -3,744,000 | -3,781,000 | -3,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,973,000 | 10,162,000 | 10,106,000 | 10,262,000 |
| Total capital | 14,762,000 | 11,882,000 | 11,750,000 | 11,841,000 |
| Risk-weighted assets | 141,856,000 | 135,890,000 | 129,730,000 | 125,786,000 |
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