Call reports 2010
WAUKEGAN SAVINGS BANK — 2010
What WAUKEGAN SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 99,904,000 | 96,667,000 | 93,816,000 | 94,186,000 |
| Total loans | 71,839,000 | 71,375,000 | 70,400,000 | 67,726,000 |
| Allowance for loan losses | 967,000 | 767,000 | 518,000 | 626,000 |
| Securities available for sale | 12,184,000 | 10,972,000 | 9,412,000 | 10,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,370,000 | 80,399,000 | 78,153,000 | 78,651,000 |
| Interest-bearing deposits | 78,066,000 | 76,876,000 | 74,874,000 | 75,197,000 |
| Noninterest-bearing deposits | 5,304,000 | 3,523,000 | 3,279,000 | 3,454,000 |
| Equity capital | 4,938,000 | 4,892,000 | 4,731,000 | 4,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,075,000 | 2,137,000 | 3,167,000 | 4,177,000 |
| Interest expense | 454,000 | 826,000 | 1,161,000 | 1,478,000 |
| Net interest income | 621,000 | 1,311,000 | 2,006,000 | 2,699,000 |
| Noninterest income | 178,000 | 320,000 | 481,000 | 616,000 |
| Noninterest expense | 1,045,000 | 1,952,000 | 2,911,000 | 3,951,000 |
| Provision for loan losses | 843,000 | 909,000 | 940,000 | 1,039,000 |
| Pretax income | -1,076,000 | -1,203,000 | -1,322,000 | -1,481,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,076,000 | -1,203,000 | -1,322,000 | -1,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,810,000 | 4,711,000 | 4,567,000 | 4,411,000 |
| Total capital | 5,611,000 | 5,460,000 | 5,133,000 | 5,037,000 |
| Risk-weighted assets | 60,683,000 | 59,653,000 | 60,830,000 | 58,416,000 |