Call reports 2014
WEST MICHIGAN COMMUNITY BANK — 2014
What WEST MICHIGAN COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 213,236,000 | 224,694,000 | 231,983,000 | 246,357,000 |
| Total loans | 166,439,000 | 172,574,000 | 183,852,000 | 196,090,000 |
| Allowance for loan losses | 1,851,000 | 1,955,000 | 2,114,000 | 2,325,000 |
| Securities available for sale | 21,556,000 | 22,331,000 | 23,780,000 | 23,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 12,000 | 7,000 | 9,000 | 1,000 |
| Total deposits | 187,891,000 | 199,017,000 | 206,279,000 | 219,276,000 |
| Interest-bearing deposits | 157,433,000 | 165,661,000 | 167,554,000 | 179,528,000 |
| Noninterest-bearing deposits | 30,458,000 | 33,356,000 | 38,725,000 | 39,748,000 |
| Equity capital | 19,016,000 | 19,241,000 | 19,262,000 | 20,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,992,000 | 4,089,000 | 6,230,000 | 8,523,000 |
| Interest expense | 180,000 | 374,000 | 570,000 | 774,000 |
| Net interest income | 1,812,000 | 3,715,000 | 5,660,000 | 7,749,000 |
| Noninterest income | 576,000 | 923,000 | 1,349,000 | 1,790,000 |
| Noninterest expense | 2,012,000 | 4,124,000 | 6,299,000 | 8,530,000 |
| Provision for loan losses | 100,000 | 183,000 | 347,000 | 542,000 |
| Pretax income | 276,000 | 331,000 | 363,000 | 473,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 276,000 | 331,000 | 363,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,062,000 | 19,216,000 | 19,347,000 | 20,593,000 |
| Total capital | 20,913,000 | 21,171,000 | 21,461,000 | 22,918,000 |
| Risk-weighted assets | 172,534,000 | 178,066,000 | 192,269,000 | 203,063,000 |
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