Call reports 2005
WABASH SAVINGS BANK — 2005
What WABASH SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 11,200,000 | 11,398,000 | 11,132,000 | 11,201,000 |
| Total loans | 4,097,000 | 4,063,000 | 4,070,000 | 4,116,000 |
| Allowance for loan losses | 67,000 | 68,000 | 69,000 | 70,000 |
| Securities available for sale | 5,882,000 | 5,746,000 | 5,549,000 | 5,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,830,000 | 9,638,000 | 9,374,000 | 9,619,000 |
| Interest-bearing deposits | 9,773,000 | 9,573,000 | 9,264,000 | 9,497,000 |
| Noninterest-bearing deposits | 57,000 | 65,000 | 110,000 | 122,000 |
| Equity capital | 1,333,000 | 1,598,000 | 1,586,000 | 1,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 132,000 | 265,000 | 406,000 | 545,000 |
| Interest expense | 49,000 | 100,000 | 156,000 | 214,000 |
| Net interest income | 83,000 | 165,000 | 250,000 | 331,000 |
| Noninterest income | 5,000 | 338,000 | 359,000 | 369,000 |
| Noninterest expense | 82,000 | 166,000 | 257,000 | 340,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,000 | 337,000 | 352,000 | 360,000 |
| Income tax | 1,000 | 117,000 | 133,000 | 135,000 |
| Net income | 5,000 | 220,000 | 219,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,414,000 | 1,629,000 | 1,638,000 | 1,634,000 |
| Total capital | 1,465,000 | 1,679,000 | 1,688,000 | 1,685,000 |
| Risk-weighted assets | 4,025,000 | 4,015,000 | 3,993,000 | 4,029,000 |