Call reports 2004
WABASH SAVINGS BANK — 2004
What WABASH SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 11,925,000 | 11,819,000 | 12,001,000 | 11,539,000 |
| Total loans | 4,146,000 | 4,055,000 | 4,157,000 | 4,061,000 |
| Allowance for loan losses | 156,000 | 168,000 | 72,000 | 71,000 |
| Securities available for sale | 6,725,000 | 6,545,000 | 6,465,000 | 6,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,405,000 | 10,504,000 | 10,315,000 | 10,132,000 |
| Interest-bearing deposits | 10,308,000 | 10,431,000 | 10,211,000 | 10,073,000 |
| Noninterest-bearing deposits | 97,000 | 73,000 | 104,000 | 59,000 |
| Equity capital | 1,388,000 | 1,271,000 | 1,415,000 | 1,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 149,000 | 291,000 | 428,000 | 572,000 |
| Interest expense | 52,000 | 98,000 | 145,000 | 194,000 |
| Net interest income | 97,000 | 193,000 | 283,000 | 378,000 |
| Noninterest income | 3,000 | 7,000 | 11,000 | 16,000 |
| Noninterest expense | 80,000 | 162,000 | 252,000 | 337,000 |
| Provision for loan losses | 0 | 0 | -75,000 | -75,000 |
| Pretax income | 20,000 | 38,000 | 117,000 | 132,000 |
| Income tax | 3,000 | 6,000 | 24,000 | 26,000 |
| Net income | 17,000 | 32,000 | 93,000 | 106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,320,000 | 1,335,000 | 1,396,000 | 1,409,000 |
| Total capital | 1,372,000 | 1,387,000 | 1,450,000 | 1,460,000 |
| Risk-weighted assets | 4,073,000 | 4,071,000 | 4,294,000 | 4,074,000 |