Call reports 2005
WAUKEGAN SAVINGS BANK — 2005
What WAUKEGAN SAVINGS BANK 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 | 127,746,000 | 124,093,000 | 122,982,000 | 122,471,000 |
| Total loans | 70,831,000 | 72,700,000 | 77,212,000 | 79,096,000 |
| Allowance for loan losses | 141,000 | 140,000 | 150,000 | 157,000 |
| Securities available for sale | 39,111,000 | 34,226,000 | 31,063,000 | 27,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,138,000 | 85,635,000 | 84,961,000 | 83,832,000 |
| Interest-bearing deposits | 82,667,000 | 80,186,000 | 78,960,000 | 77,965,000 |
| Noninterest-bearing deposits | 6,471,000 | 5,449,000 | 6,001,000 | 5,867,000 |
| Equity capital | 12,404,000 | 12,302,000 | 12,051,000 | 11,788,000 |
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 | 1,394,000 | 2,805,000 | 4,238,000 | 5,715,000 |
| Interest expense | 747,000 | 1,436,000 | 2,153,000 | 2,908,000 |
| Net interest income | 647,000 | 1,369,000 | 2,085,000 | 2,807,000 |
| Noninterest income | 125,000 | 339,000 | 459,000 | 630,000 |
| Noninterest expense | 1,252,000 | 2,316,000 | 3,564,000 | 4,781,000 |
| Provision for loan losses | 0 | 43,000 | 56,000 | 84,000 |
| Pretax income | -480,000 | -655,000 | -1,109,000 | -1,475,000 |
| Income tax | -194,000 | -267,000 | -450,000 | -614,000 |
| Net income | -286,000 | -388,000 | -659,000 | -861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,025,000 | 12,331,000 | 11,705,000 | 11,973,000 |
| Total capital | 12,166,000 | 12,471,000 | 11,855,000 | 12,130,000 |
| Risk-weighted assets | 58,302,000 | 58,343,000 | 61,474,000 | 61,243,000 |
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