Call reports 2009
WAUKEGAN SAVINGS BANK — 2009
What WAUKEGAN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 107,162,000 | 104,472,000 | 102,251,000 | 102,976,000 |
| Total loans | 75,641,000 | 74,012,000 | 73,878,000 | 72,499,000 |
| Allowance for loan losses | 644,000 | 670,000 | 609,000 | 551,000 |
| Securities available for sale | 15,129,000 | 16,462,000 | 15,893,000 | 14,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,994,000 | 82,674,000 | 80,202,000 | 81,622,000 |
| Interest-bearing deposits | 75,101,000 | 77,381,000 | 5,719,000 | 69,353,000 |
| Noninterest-bearing deposits | 6,893,000 | 5,293,000 | 74,483,000 | 12,269,000 |
| Equity capital | 6,781,000 | 6,557,000 | 6,545,000 | 6,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,418,000 | 3,545,000 | 4,638,000 |
| Interest expense | 582,000 | 1,127,000 | 1,630,000 | 2,101,000 |
| Net interest income | 658,000 | 1,291,000 | 1,915,000 | 2,537,000 |
| Noninterest income | 76,000 | 337,000 | 515,000 | 660,000 |
| Noninterest expense | 1,101,000 | 2,137,000 | 3,134,000 | 4,238,000 |
| Provision for loan losses | 316,000 | 341,000 | 365,000 | 465,000 |
| Pretax income | -1,534,000 | -1,755,000 | -2,014,000 | -2,437,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,534,000 | -1,755,000 | -2,014,000 | -2,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,787,000 | 6,567,000 | 6,319,000 | 5,862,000 |
| Total capital | 7,430,000 | 7,253,000 | 6,976,000 | 6,456,000 |
| Risk-weighted assets | 63,301,000 | 59,218,000 | 59,794,000 | 61,216,000 |
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