Call reports 2007
WABASH SAVINGS BANK — 2007
What WABASH SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 11,109,000 | 10,898,000 | 10,758,000 | 10,654,000 |
| Total loans | 4,806,000 | 4,774,000 | 4,968,000 | 4,822,000 |
| Allowance for loan losses | 69,000 | 59,000 | 61,000 | 62,000 |
| Securities available for sale | 4,170,000 | 3,898,000 | 3,870,000 | 3,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,531,000 | 9,350,000 | 9,168,000 | 9,060,000 |
| Interest-bearing deposits | 9,457,000 | 9,269,000 | 9,079,000 | 8,993,000 |
| Noninterest-bearing deposits | 74,000 | 81,000 | 89,000 | 67,000 |
| Equity capital | 1,557,000 | 1,519,000 | 1,564,000 | 1,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 153,000 | 311,000 | 470,000 | 622,000 |
| Interest expense | 86,000 | 172,000 | 263,000 | 353,000 |
| Net interest income | 67,000 | 139,000 | 207,000 | 269,000 |
| Noninterest income | 5,000 | 9,000 | 14,000 | 22,000 |
| Noninterest expense | 88,000 | 173,000 | 263,000 | 345,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -16,000 | -25,000 | -42,000 | -54,000 |
| Income tax | -2,000 | -2,000 | -19,000 | -22,000 |
| Net income | -14,000 | -23,000 | -23,000 | -32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,606,000 | 1,598,000 | 1,597,000 | 1,588,000 |
| Total capital | 1,665,000 | 1,656,000 | 1,655,000 | 1,645,000 |
| Risk-weighted assets | 4,733,000 | 4,646,000 | 4,674,000 | 4,592,000 |