Call reports 2005
WEST MICHIGAN SAVINGS BANK, THE — 2005
What WEST MICHIGAN SAVINGS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 29,477,000 | 29,234,000 | 29,746,000 | 29,417,000 |
| Total loans | 13,331,000 | 13,862,000 | 13,880,000 | 13,954,000 |
| Allowance for loan losses | 294,000 | 254,000 | 240,000 | 240,000 |
| Securities available for sale | 11,570,000 | 11,117,000 | 11,177,000 | 10,718,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,985,000 | 24,682,000 | 25,188,000 | 25,046,000 |
| Interest-bearing deposits | 20,391,000 | 20,361,000 | 20,826,000 | 20,135,000 |
| Noninterest-bearing deposits | 4,594,000 | 4,321,000 | 4,362,000 | 4,911,000 |
| Equity capital | 4,442,000 | 4,462,000 | 4,473,000 | 4,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 341,000 | 695,000 | 1,072,000 | 1,445,000 |
| Interest expense | 52,000 | 108,000 | 167,000 | 231,000 |
| Net interest income | 289,000 | 587,000 | 905,000 | 1,214,000 |
| Noninterest income | 31,000 | 62,000 | 100,000 | 138,000 |
| Noninterest expense | 275,000 | 549,000 | 832,000 | 1,134,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 100,000 | 173,000 | 218,000 |
| Income tax | 4,000 | 13,000 | 40,000 | 23,000 |
| Net income | 41,000 | 87,000 | 133,000 | 195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,502,000 | 4,458,000 | 4,504,000 | 4,406,000 |
| Total capital | 4,694,000 | 4,646,000 | 4,694,000 | 4,593,000 |
| Risk-weighted assets | 15,233,000 | 14,938,000 | 15,143,000 | 14,921,000 |
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