Call reports 2007
WAUKEGAN SAVINGS BANK — 2007
What WAUKEGAN SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 117,604,000 | 113,634,000 | 110,298,000 | 109,632,000 |
| Total loans | 83,769,000 | 83,389,000 | 82,919,000 | 81,940,000 |
| Allowance for loan losses | 242,000 | 239,000 | 295,000 | 392,000 |
| Securities available for sale | 17,172,000 | 16,319,000 | 14,521,000 | 14,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,661,000 | 85,952,000 | 82,770,000 | 82,223,000 |
| Interest-bearing deposits | 79,282,000 | 79,321,000 | 77,393,000 | 76,525,000 |
| Noninterest-bearing deposits | 7,379,000 | 6,631,000 | 5,377,000 | 5,698,000 |
| Equity capital | 9,920,000 | 9,698,000 | 9,591,000 | 9,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,545,000 | 3,100,000 | 4,640,000 | 6,136,000 |
| Interest expense | 853,000 | 1,711,000 | 2,540,000 | 3,347,000 |
| Net interest income | 692,000 | 1,389,000 | 2,100,000 | 2,789,000 |
| Noninterest income | 174,000 | 377,000 | 608,000 | 847,000 |
| Noninterest expense | 1,407,000 | 2,477,000 | 3,484,000 | 4,567,000 |
| Provision for loan losses | 57,000 | 72,000 | 146,000 | 251,000 |
| Pretax income | -862,000 | -1,047,000 | -1,186,000 | -1,446,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -862,000 | -1,047,000 | -1,186,000 | -1,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,925,000 | 9,717,000 | 9,591,000 | 9,301,000 |
| Total capital | 10,167,000 | 9,956,000 | 9,886,000 | 9,693,000 |
| Risk-weighted assets | 71,706,000 | 68,914,000 | 71,846,000 | 62,312,000 |
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