Call reports 2006
WEST MICHIGAN SAVINGS BANK, THE — 2006
What WEST MICHIGAN SAVINGS BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 27,955,000 | 27,997,000 | 29,096,000 | 30,261,000 |
| Total loans | 13,531,000 | 13,866,000 | 14,092,000 | 15,067,000 |
| Allowance for loan losses | 234,000 | 235,000 | 231,000 | 231,000 |
| Securities available for sale | 10,668,000 | 9,666,000 | 10,149,000 | 10,473,000 |
| Securities held to maturity | 200,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,559,000 | 23,673,000 | 24,640,000 | 25,897,000 |
| Interest-bearing deposits | 19,503,000 | 19,651,000 | 20,089,000 | 20,785,000 |
| Noninterest-bearing deposits | 4,057,000 | 4,022,000 | 4,551,000 | 5,112,000 |
| Equity capital | 4,343,000 | 4,240,000 | 4,351,000 | 4,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 368,000 | 739,000 | 1,127,000 | 1,533,000 |
| Interest expense | 67,000 | 139,000 | 220,000 | 313,000 |
| Net interest income | 301,000 | 600,000 | 907,000 | 1,220,000 |
| Noninterest income | 34,000 | 65,000 | 95,000 | 127,000 |
| Noninterest expense | 306,000 | 601,000 | 896,000 | 1,194,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 29,000 | 36,000 | 78,000 | 125,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 29,000 | 36,000 | 78,000 | 125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,436,000 | 4,352,000 | 4,394,000 | 4,282,000 |
| Total capital | 4,617,000 | 4,533,000 | 4,582,000 | 4,479,000 |
| Risk-weighted assets | 14,425,000 | 14,453,000 | 15,028,000 | 15,727,000 |
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