Call reports 2013
WEST MICHIGAN COMMUNITY BANK — 2013
What WEST MICHIGAN COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 160,681,000 | 168,496,000 | 186,856,000 | 198,653,000 |
| Total loans | 127,688,000 | 138,853,000 | 147,230,000 | 161,051,000 |
| Allowance for loan losses | 1,346,000 | 1,498,000 | 1,795,000 | 1,746,000 |
| Securities available for sale | 10,592,000 | 12,907,000 | 12,534,000 | 15,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 13,000 | 15,000 | 14,000 | 24,000 |
| Total deposits | 136,310,000 | 144,693,000 | 163,296,000 | 173,588,000 |
| Interest-bearing deposits | 114,706,000 | 120,632,000 | 135,256,000 | 143,851,000 |
| Noninterest-bearing deposits | 21,604,000 | 24,061,000 | 28,040,000 | 29,737,000 |
| Equity capital | 18,007,000 | 17,431,000 | 17,206,000 | 18,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,616,000 | 3,322,000 | 5,166,000 | 6,896,000 |
| Interest expense | 146,000 | 297,000 | 463,000 | 643,000 |
| Net interest income | 1,470,000 | 3,025,000 | 4,703,000 | 6,253,000 |
| Noninterest income | 420,000 | 730,000 | 1,150,000 | 1,425,000 |
| Noninterest expense | 1,986,000 | 3,955,000 | 5,986,000 | 8,050,000 |
| Provision for loan losses | 102,000 | 244,000 | 498,000 | 660,000 |
| Pretax income | -198,000 | -438,000 | -625,000 | -1,026,000 |
| Income tax | 10,000 | 124,000 | 137,000 | 31,000 |
| Net income | -208,000 | -562,000 | -762,000 | -1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,235,000 | 16,981,000 | 16,881,000 | 18,686,000 |
| Total capital | 18,581,000 | 18,479,000 | 18,676,000 | 20,432,000 |
| Risk-weighted assets | 133,753,000 | 143,113,000 | 152,604,000 | 158,061,000 |
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