Call reports 2012
WAUKEGAN SAVINGS BANK — 2012
What WAUKEGAN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Total assets | 88,941,000 | 83,679,000 |
| Total loans | 64,319,000 | 63,685,000 |
| Allowance for loan losses | 956,000 | 1,521,000 |
| Securities available for sale | 9,536,000 | 9,149,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 77,497,000 | 73,001,000 |
| Interest-bearing deposits | 72,883,000 | 69,100,000 |
| Noninterest-bearing deposits | 4,614,000 | 3,901,000 |
| Equity capital | 1,755,000 | 41,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Interest income | 896,000 | 1,733,000 |
| Interest expense | 182,000 | 346,000 |
| Net interest income | 714,000 | 1,387,000 |
| Noninterest income | 300,000 | 420,000 |
| Noninterest expense | 1,565,000 | 3,445,000 |
| Provision for loan losses | 75,000 | 695,000 |
| Pretax income | -622,000 | -2,329,000 |
| Income tax | 0 | 0 |
| Net income | -622,000 | -2,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Tier 1 capital | 1,890,000 | 183,000 |
| Total capital | 2,607,000 | 366,000 |
| Risk-weighted assets | 57,153,000 | 56,485,000 |