Call reports 2025
WEST MICHIGAN COMMUNITY BANK — 2025
What WEST MICHIGAN COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,063,884,000 | 1,068,028,000 | 1,120,141,000 | 1,186,043,000 |
| Total loans | 923,966,000 | 927,038,000 | 975,451,000 | 1,023,834,000 |
| Allowance for loan losses | 12,356,000 | 11,969,000 | 12,721,000 | 13,686,000 |
| Securities available for sale | 81,244,000 | 78,247,000 | 84,130,000 | 83,569,000 |
| Securities held to maturity | 1,873,000 | 1,791,000 | 1,735,000 | 1,652,000 |
| Trading assets | 1,276,000 | 860,000 | 692,000 | 719,000 |
| Total deposits | 925,921,000 | 929,791,000 | 964,845,000 | 1,049,785,000 |
| Interest-bearing deposits | 716,470,000 | 696,287,000 | 744,009,000 | 828,501,000 |
| Noninterest-bearing deposits | 209,451,000 | 233,504,000 | 220,836,000 | 221,284,000 |
| Equity capital | 94,119,000 | 95,850,000 | 100,785,000 | 97,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,922,000 | 30,317,000 | 46,273,000 | 62,812,000 |
| Interest expense | 5,447,000 | 11,050,000 | 16,752,000 | 22,810,000 |
| Net interest income | 9,475,000 | 19,267,000 | 29,521,000 | 40,002,000 |
| Noninterest income | 1,240,000 | 2,617,000 | 3,876,000 | 5,324,000 |
| Noninterest expense | 5,875,000 | 11,725,000 | 17,663,000 | 23,602,000 |
| Provision for loan losses | 1,186,000 | 3,436,000 | 4,186,000 | 5,355,000 |
| Pretax income | 3,668,000 | 6,731,000 | 11,569,000 | 16,398,000 |
| Income tax | 706,000 | 1,272,000 | 2,209,000 | 3,138,000 |
| Net income | 2,962,000 | 5,459,000 | 9,360,000 | 13,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,717,000 | 102,214,000 | 106,115,000 | 102,314,000 |