Call reports 2011
WEST MICHIGAN COMMUNITY BANK — 2011
What WEST MICHIGAN COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 121,539,000 | 121,928,000 | 121,077,000 | 119,292,000 |
| Total loans | 73,752,000 | 72,586,000 | 74,414,000 | 84,044,000 |
| Allowance for loan losses | 0 | 578,000 | 757,000 | 1,171,000 |
| Securities available for sale | 14,212,000 | 17,593,000 | 15,716,000 | 14,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,737,000 | 105,139,000 | 104,085,000 | 103,269,000 |
| Interest-bearing deposits | 91,609,000 | 90,993,000 | 90,807,000 | 86,114,000 |
| Noninterest-bearing deposits | 13,128,000 | 14,146,000 | 13,278,000 | 17,155,000 |
| Equity capital | 15,245,000 | 15,666,000 | 15,504,000 | 14,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 3,119,000 | 4,569,000 | 5,955,000 |
| Interest expense | 208,000 | 285,000 | 438,000 | 606,000 |
| Net interest income | 704,000 | 2,834,000 | 4,131,000 | 5,349,000 |
| Noninterest income | 135,000 | 331,000 | 559,000 | 747,000 |
| Noninterest expense | 712,000 | 2,055,000 | 3,546,000 | 5,272,000 |
| Provision for loan losses | 0 | 652,000 | 902,000 | 1,320,000 |
| Pretax income | 127,000 | 458,000 | 242,000 | -496,000 |
| Income tax | 1,000 | -30,000 | -48,000 | -59,000 |
| Net income | 126,000 | 488,000 | 290,000 | -437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,223,000 | 14,355,000 | 14,239,000 | 13,399,000 |
| Total capital | 13,223,000 | 14,933,000 | 14,996,000 | 14,514,000 |
| Risk-weighted assets | 81,060,000 | 78,733,000 | 82,198,000 | 89,118,000 |
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