Call reports 2009
WABASH SAVINGS BANK — 2009
What WABASH SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 10,818,000 | 11,156,000 | 10,542,000 | 10,190,000 |
| Total loans | 5,798,000 | 5,707,000 | 5,531,000 | 5,677,000 |
| Allowance for loan losses | 60,000 | 60,000 | 63,000 | 64,000 |
| Securities available for sale | 1,168,000 | 1,207,000 | 1,165,000 | 1,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,824,000 | 9,145,000 | 8,553,000 | 8,617,000 |
| Interest-bearing deposits | 8,762,000 | 9,108,000 | 8,512,000 | 8,580,000 |
| Noninterest-bearing deposits | 62,000 | 37,000 | 41,000 | 37,000 |
| Equity capital | 1,566,000 | 1,572,000 | 1,554,000 | 1,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 146,000 | 283,000 | 416,000 | 537,000 |
| Interest expense | 53,000 | 101,000 | 141,000 | 178,000 |
| Net interest income | 93,000 | 182,000 | 275,000 | 359,000 |
| Noninterest income | 5,000 | 11,000 | 16,000 | 21,000 |
| Noninterest expense | 90,000 | 172,000 | 269,000 | 358,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 30,000 |
| Pretax income | 8,000 | 21,000 | -3,000 | -8,000 |
| Income tax | 1,000 | 3,000 | 1,000 | 0 |
| Net income | 7,000 | 18,000 | -4,000 | -8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,563,000 | 1,576,000 | 1,553,000 | 1,549,000 |
| Total capital | 1,623,000 | 1,636,000 | 1,615,000 | 1,612,000 |
| Risk-weighted assets | 5,294,000 | 5,131,000 | 4,945,000 | 5,052,000 |