Call reports 2010
WEST MICHIGAN COMMUNITY BANK — 2010
What WEST MICHIGAN COMMUNITY BANK 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 | 148,138,000 | 140,543,000 | 131,067,000 | 123,093,000 |
| Total loans | 110,943,000 | 104,496,000 | 94,304,000 | 90,701,000 |
| Allowance for loan losses | 2,652,000 | 3,617,000 | 3,582,000 | 3,543,000 |
| Securities available for sale | 10,158,000 | 17,699,000 | 16,665,000 | 15,100,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,900,000 | 122,757,000 | 115,512,000 | 107,297,000 |
| Interest-bearing deposits | 117,543,000 | 108,905,000 | 101,709,000 | 93,546,000 |
| Noninterest-bearing deposits | 12,357,000 | 13,852,000 | 13,803,000 | 13,751,000 |
| Equity capital | 9,879,000 | 9,501,000 | 9,368,000 | 9,666,000 |
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 | 1,798,000 | 3,551,000 | 5,258,000 | 6,858,000 |
| Interest expense | 755,000 | 1,363,000 | 1,896,000 | 2,348,000 |
| Net interest income | 1,043,000 | 2,188,000 | 3,362,000 | 4,510,000 |
| Noninterest income | 240,000 | 440,000 | 659,000 | 976,000 |
| Noninterest expense | 1,290,000 | 2,452,000 | 3,769,000 | 4,957,000 |
| Provision for loan losses | 655,000 | 1,825,000 | 2,080,000 | 1,955,000 |
| Pretax income | -662,000 | -1,645,000 | -1,824,000 | -1,422,000 |
| Income tax | -7,000 | -562,000 | -578,000 | -542,000 |
| Net income | -655,000 | -1,083,000 | -1,246,000 | -880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,638,000 | 9,231,000 | 9,088,000 | 9,475,000 |
| Total capital | 11,177,000 | 10,688,000 | 10,402,000 | 10,722,000 |
| Risk-weighted assets | 122,036,000 | 114,406,000 | 103,753,000 | 97,431,000 |
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