Call reports 2011
WABASH SAVINGS BANK — 2011
What WABASH SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 11,040,000 | 11,085,000 | 11,606,000 | 11,372,000 |
| Total loans | 5,546,000 | 5,236,000 | 5,622,000 | 5,502,000 |
| Allowance for loan losses | 48,000 | 54,000 | 60,000 | 64,000 |
| Securities available for sale | 2,693,000 | 3,725,000 | 3,878,000 | 4,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,497,000 | 9,493,000 | 10,000,000 | 9,775,000 |
| Interest-bearing deposits | 9,458,000 | 9,428,000 | 9,908,000 | 9,673,000 |
| Noninterest-bearing deposits | 39,000 | 65,000 | 92,000 | 102,000 |
| Equity capital | 1,516,000 | 1,564,000 | 1,575,000 | 1,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 119,000 | 239,000 | 365,000 | 496,000 |
| Interest expense | 30,000 | 55,000 | 81,000 | 106,000 |
| Net interest income | 89,000 | 184,000 | 284,000 | 390,000 |
| Noninterest income | 6,000 | 9,000 | 13,000 | 18,000 |
| Noninterest expense | 101,000 | 196,000 | 302,000 | 395,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 21,000 |
| Pretax income | -12,000 | -15,000 | -23,000 | -8,000 |
| Income tax | -2,000 | -2,000 | -4,000 | 4,000 |
| Net income | -10,000 | -13,000 | -19,000 | -12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,563,000 | 1,551,000 | 1,537,000 | 1,546,000 |
| Total capital | 1,593,000 | 1,596,000 | 1,589,000 | 1,607,000 |
| Risk-weighted assets | 5,255,000 | 5,039,000 | 5,460,000 | 5,405,000 |