Call reports 2006
WAUKEGAN SAVINGS BANK — 2006
What WAUKEGAN SAVINGS BANK 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 | 123,196,000 | 120,887,000 | 120,430,000 | 120,162,000 |
| Total loans | 83,464,000 | 85,063,000 | 85,578,000 | 85,385,000 |
| Allowance for loan losses | 188,000 | 185,000 | 174,000 | 199,000 |
| Securities available for sale | 25,507,000 | 23,042,000 | 21,571,000 | 19,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,863,000 | 84,044,000 | 82,309,000 | 83,709,000 |
| Interest-bearing deposits | 79,122,000 | 78,068,000 | 76,851,000 | 77,384,000 |
| Noninterest-bearing deposits | 6,741,000 | 5,976,000 | 5,458,000 | 6,325,000 |
| Equity capital | 11,209,000 | 10,837,000 | 10,906,000 | 10,726,000 |
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 | 1,498,000 | 3,044,000 | 4,595,000 | 6,158,000 |
| Interest expense | 799,000 | 1,637,000 | 2,529,000 | 3,453,000 |
| Net interest income | 699,000 | 1,407,000 | 2,066,000 | 2,705,000 |
| Noninterest income | 83,000 | 260,000 | 518,000 | 707,000 |
| Noninterest expense | 1,262,000 | 2,382,000 | 3,431,000 | 4,523,000 |
| Provision for loan losses | 42,000 | 42,000 | 80,000 | 122,000 |
| Pretax income | -522,000 | -757,000 | -943,000 | -1,261,000 |
| Income tax | -5,000 | -4,000 | -4,000 | -4,000 |
| Net income | -517,000 | -753,000 | -939,000 | -1,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,301,000 | 11,071,000 | 10,902,000 | 10,576,000 |
| Total capital | 11,489,000 | 11,256,000 | 11,076,000 | 10,775,000 |
| Risk-weighted assets | 66,584,000 | 69,547,000 | 66,916,000 | 68,973,000 |
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