Call reports 2012
WABASH SAVINGS BANK — 2012
What WABASH SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 12,039,000 | 12,087,000 | 11,691,000 | 11,521,000 |
| Total loans | 5,227,000 | 5,313,000 | 5,299,000 | 4,950,000 |
| Allowance for loan losses | 68,000 | 71,000 | 61,000 | 60,000 |
| Securities available for sale | 4,688,000 | 4,394,000 | 4,908,000 | 4,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,466,000 | 10,457,000 | 10,105,000 | 9,921,000 |
| Interest-bearing deposits | 10,377,000 | 10,335,000 | 9,970,000 | 9,784,000 |
| Noninterest-bearing deposits | 89,000 | 122,000 | 135,000 | 137,000 |
| Equity capital | 1,548,000 | 1,600,000 | 1,564,000 | 1,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 128,000 | 255,000 | 376,000 | 501,000 |
| Interest expense | 26,000 | 49,000 | 69,000 | 88,000 |
| Net interest income | 102,000 | 206,000 | 307,000 | 413,000 |
| Noninterest income | 3,000 | 9,000 | -49,000 | -44,000 |
| Noninterest expense | 94,000 | 182,000 | 267,000 | 371,000 |
| Provision for loan losses | 3,000 | 6,000 | -5,000 | -5,000 |
| Pretax income | 8,000 | 27,000 | -3,000 | 4,000 |
| Income tax | 1,000 | 4,000 | -15,000 | -12,000 |
| Net income | 7,000 | 23,000 | 12,000 | 16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,561,000 | 1,568,000 | 1,557,000 | 1,557,000 |
| Total capital | 1,629,000 | 1,636,000 | 1,613,000 | 1,614,000 |
| Risk-weighted assets | 5,457,000 | 5,439,000 | 5,322,000 | 5,045,000 |