Call reports 2003
WABASH SAVINGS BANK — 2003
What WABASH SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 12,691,000 | 12,696,000 | 12,681,000 | 12,067,000 |
| Total loans | 5,022,000 | 4,575,000 | 4,336,000 | 4,204,000 |
| Allowance for loan losses | 154,000 | 152,000 | 151,000 | 153,000 |
| Securities available for sale | 5,292,000 | 6,284,000 | 6,905,000 | 6,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,306,000 | 11,238,000 | 11,333,000 | 10,719,000 |
| Interest-bearing deposits | 11,174,000 | 11,146,000 | 11,247,000 | 10,594,000 |
| Noninterest-bearing deposits | 132,000 | 92,000 | 86,000 | 125,000 |
| Equity capital | 1,360,000 | 1,424,000 | 1,317,000 | 1,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 171,000 | 342,000 | 481,000 | 633,000 |
| Interest expense | 80,000 | 154,000 | 224,000 | 285,000 |
| Net interest income | 91,000 | 188,000 | 257,000 | 348,000 |
| Noninterest income | 4,000 | 7,000 | 12,000 | 15,000 |
| Noninterest expense | 78,000 | 154,000 | 242,000 | 330,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,000 | 41,000 | 27,000 | 33,000 |
| Income tax | 2,000 | 6,000 | 7,000 | 8,000 |
| Net income | 15,000 | 35,000 | 20,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,293,000 | 1,313,000 | 1,298,000 | 1,303,000 |
| Total capital | 1,353,000 | 1,370,000 | 1,354,000 | 1,357,000 |
| Risk-weighted assets | 4,718,000 | 4,437,000 | 4,419,000 | 4,227,000 |