Call reports 2011
WAUKEGAN SAVINGS BANK — 2011
What WAUKEGAN SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 93,173,000 | 90,270,000 | 87,791,000 | 88,565,000 |
| Total loans | 64,189,000 | 63,952,000 | 63,336,000 | 64,685,000 |
| Allowance for loan losses | 789,000 | 821,000 | 916,000 | 1,008,000 |
| Securities available for sale | 13,410,000 | 13,273,000 | 9,803,000 | 9,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,931,000 | 77,888,000 | 75,276,000 | 76,409,000 |
| Interest-bearing deposits | 74,327,000 | 73,518,000 | 71,274,000 | 72,194,000 |
| Noninterest-bearing deposits | 4,604,000 | 4,370,000 | 4,002,000 | 4,215,000 |
| Equity capital | 2,575,000 | 2,639,000 | 2,739,000 | 2,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 961,000 | 1,900,000 | 2,807,000 | 3,712,000 |
| Interest expense | 296,000 | 563,000 | 807,000 | 1,003,000 |
| Net interest income | 665,000 | 1,337,000 | 2,000,000 | 2,709,000 |
| Noninterest income | 133,000 | 303,000 | 603,000 | 781,000 |
| Noninterest expense | 1,326,000 | 2,300,000 | 3,260,000 | 4,279,000 |
| Provision for loan losses | 1,045,000 | 1,076,000 | 1,181,000 | 1,272,000 |
| Pretax income | -1,573,000 | -1,736,000 | -1,764,000 | -1,912,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,573,000 | -1,736,000 | -1,764,000 | -1,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,844,000 | 2,676,000 | 2,649,000 | 2,513,000 |
| Total capital | 3,525,000 | 3,350,000 | 3,337,000 | 3,223,000 |
| Risk-weighted assets | 54,376,000 | 53,771,000 | 54,950,000 | 56,497,000 |