Call reports 2009
WEST MICHIGAN SAVINGS BANK, THE — 2009
What WEST MICHIGAN SAVINGS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 32,874,000 | 32,864,000 | 34,193,000 | 34,076,000 |
| Total loans | 15,295,000 | 15,478,000 | 15,427,000 | 15,932,000 |
| Allowance for loan losses | 230,000 | 199,000 | 199,000 | 225,000 |
| Securities available for sale | 9,735,000 | 11,660,000 | 12,584,000 | 12,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,487,000 | 28,699,000 | 29,715,000 | 29,789,000 |
| Interest-bearing deposits | 24,360,000 | 24,887,000 | 25,841,000 | 25,504,000 |
| Noninterest-bearing deposits | 4,127,000 | 3,812,000 | 3,874,000 | 4,285,000 |
| Equity capital | 4,188,000 | 3,941,000 | 4,179,000 | 4,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 378,000 | 761,000 | 1,144,000 | 1,533,000 |
| Interest expense | 113,000 | 223,000 | 325,000 | 411,000 |
| Net interest income | 265,000 | 538,000 | 819,000 | 1,122,000 |
| Noninterest income | 35,000 | 70,000 | 105,000 | 142,000 |
| Noninterest expense | 297,000 | 594,000 | 942,000 | 1,260,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 5,000 | 16,000 | -16,000 | 18,000 |
| Income tax | 0 | 0 | 0 | -77,000 |
| Net income | 5,000 | 16,000 | -16,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,135,000 | 4,056,000 | 4,023,000 | 4,044,000 |
| Total capital | 4,328,000 | 4,253,000 | 4,222,000 | 4,248,000 |
| Risk-weighted assets | 15,442,000 | 15,909,000 | 16,070,000 | 15,563,000 |
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