Call reports 2003
WAUKEGAN SAVINGS BANK — 2003
What WAUKEGAN SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 129,849,000 | 132,952,000 | 134,295,000 | 132,784,000 |
| Total loans | 87,868,000 | 88,163,000 | 83,938,000 | 76,720,000 |
| Allowance for loan losses | 150,000 | 141,000 | 142,000 | 139,000 |
| Securities available for sale | 26,598,000 | 25,009,000 | 35,832,000 | 39,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,361,000 | 92,455,000 | 93,767,000 | 92,791,000 |
| Interest-bearing deposits | 84,277,000 | 87,138,000 | 89,740,000 | 88,936,000 |
| Noninterest-bearing deposits | 5,084,000 | 5,317,000 | 4,027,000 | 3,855,000 |
| Equity capital | 13,722,000 | 13,935,000 | 13,772,000 | 13,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,830,000 | 3,584,000 | 5,228,000 | 6,752,000 |
| Interest expense | 819,000 | 1,634,000 | 2,424,000 | 3,193,000 |
| Net interest income | 1,011,000 | 1,950,000 | 2,804,000 | 3,559,000 |
| Noninterest income | 252,000 | 821,000 | 849,000 | 1,048,000 |
| Noninterest expense | 989,000 | 1,982,000 | 2,934,000 | 3,930,000 |
| Provision for loan losses | 23,000 | 50,000 | 57,000 | 60,000 |
| Pretax income | 251,000 | 739,000 | 662,000 | 617,000 |
| Income tax | 83,000 | 280,000 | 249,000 | 228,000 |
| Net income | 168,000 | 459,000 | 413,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,389,000 | 13,661,000 | 13,579,000 | 13,546,000 |
| Total capital | 13,539,000 | 13,802,000 | 13,721,000 | 13,685,000 |
| Risk-weighted assets | 64,767,000 | 68,750,000 | 64,939,000 | 61,788,000 |
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