Call reports 2004
WAUKEGAN SAVINGS BANK — 2004
What WAUKEGAN SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 130,821,000 | 125,015,000 | 125,876,000 | 126,911,000 |
| Total loans | 75,496,000 | 75,206,000 | 69,643,000 | 70,105,000 |
| Allowance for loan losses | 146,000 | 156,000 | 144,000 | 141,000 |
| Securities available for sale | 38,651,000 | 33,691,000 | 38,088,000 | 40,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,819,000 | 86,012,000 | 86,828,000 | 87,783,000 |
| Interest-bearing deposits | 85,820,000 | 81,719,000 | 83,511,000 | 82,926,000 |
| Noninterest-bearing deposits | 4,999,000 | 4,293,000 | 3,317,000 | 4,857,000 |
| Equity capital | 13,656,000 | 13,087,000 | 13,142,000 | 12,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,474,000 | 2,973,000 | 4,367,000 | 5,776,000 |
| Interest expense | 731,000 | 1,439,000 | 2,162,000 | 2,906,000 |
| Net interest income | 743,000 | 1,534,000 | 2,205,000 | 2,870,000 |
| Noninterest income | 174,000 | 246,000 | 511,000 | 666,000 |
| Noninterest expense | 1,122,000 | 2,193,000 | 3,339,000 | 4,477,000 |
| Provision for loan losses | 7,000 | 21,000 | 51,000 | 48,000 |
| Pretax income | -212,000 | -394,000 | -634,000 | -949,000 |
| Income tax | -86,000 | -167,000 | -263,000 | -387,000 |
| Net income | -126,000 | -227,000 | -371,000 | -562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,409,000 | 13,309,000 | 13,104,000 | 12,883,000 |
| Total capital | 13,555,000 | 13,465,000 | 13,248,000 | 13,024,000 |
| Risk-weighted assets | 58,435,000 | 58,249,000 | 54,852,000 | 57,232,000 |
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