Call reports 2008
WAUKEGAN SAVINGS BANK — 2008
What WAUKEGAN SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 110,677,000 | 105,847,000 | 103,557,000 | 103,295,000 |
| Total loans | 79,806,000 | 79,123,000 | 79,080,000 | 77,653,000 |
| Allowance for loan losses | 326,000 | 335,000 | 325,000 | 331,000 |
| Securities available for sale | 19,436,000 | 14,147,000 | 12,424,000 | 13,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,670,000 | 79,121,000 | 75,945,000 | 77,400,000 |
| Interest-bearing deposits | 75,972,000 | 72,379,000 | 70,209,000 | 71,701,000 |
| Noninterest-bearing deposits | 7,698,000 | 6,742,000 | 5,736,000 | 5,699,000 |
| Equity capital | 9,170,000 | 8,490,000 | 7,879,000 | 7,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 2,882,000 | 4,222,000 | 5,540,000 |
| Interest expense | 767,000 | 1,430,000 | 2,044,000 | 2,644,000 |
| Net interest income | 701,000 | 1,452,000 | 2,178,000 | 2,896,000 |
| Noninterest income | 430,000 | 637,000 | 847,000 | 1,041,000 |
| Noninterest expense | 1,209,000 | 2,236,000 | 3,371,000 | 4,431,000 |
| Provision for loan losses | 6,000 | 24,000 | 42,000 | 63,000 |
| Pretax income | -262,000 | -696,000 | -930,000 | -1,141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -262,000 | -696,000 | -930,000 | -1,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,126,000 | 8,693,000 | 8,059,000 | 7,477,000 |
| Total capital | 9,452,000 | 9,028,000 | 8,385,000 | 7,808,000 |
| Risk-weighted assets | 62,645,000 | 66,491,000 | 64,506,000 | 64,216,000 |
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