Call reports 2012
WEST MICHIGAN COMMUNITY BANK — 2012
What WEST MICHIGAN COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 125,881,000 | 132,672,000 | 142,014,000 | 150,831,000 |
| Total loans | 93,575,000 | 104,243,000 | 114,787,000 | 121,830,000 |
| Allowance for loan losses | 1,109,000 | 1,182,000 | 1,439,000 | 1,241,000 |
| Securities available for sale | 14,034,000 | 12,277,000 | 10,282,000 | 8,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 17,000 |
| Total deposits | 109,955,000 | 117,244,000 | 121,895,000 | 131,064,000 |
| Interest-bearing deposits | 93,838,000 | 96,839,000 | 101,149,000 | 108,441,000 |
| Noninterest-bearing deposits | 16,117,000 | 20,405,000 | 20,746,000 | 22,623,000 |
| Equity capital | 14,431,000 | 13,946,000 | 13,750,000 | 13,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 2,937,000 | 4,543,000 | 6,117,000 |
| Interest expense | 179,000 | 355,000 | 534,000 | 682,000 |
| Net interest income | 1,256,000 | 2,582,000 | 4,009,000 | 5,435,000 |
| Noninterest income | 247,000 | 564,000 | 1,005,000 | 1,377,000 |
| Noninterest expense | 1,744,000 | 3,714,000 | 5,593,000 | 7,900,000 |
| Provision for loan losses | 15,000 | 165,000 | 415,000 | 490,000 |
| Pretax income | -195,000 | -672,000 | -933,000 | -1,517,000 |
| Income tax | 28,000 | 30,000 | 9,000 | 11,000 |
| Net income | -223,000 | -702,000 | -942,000 | -1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,276,000 | 12,896,000 | 12,756,000 | 12,270,000 |
| Total capital | 14,385,000 | 14,078,000 | 14,195,000 | 13,511,000 |
| Risk-weighted assets | 100,156,000 | 112,010,000 | 125,460,000 | 132,277,000 |
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