Call reports 2014
WABASH SAVINGS BANK — 2014
What WABASH SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 11,798,000 | 11,758,000 | 11,716,000 | 11,959,000 |
| Total loans | 4,615,000 | 4,557,000 | 4,646,000 | 4,539,000 |
| Allowance for loan losses | 61,000 | 61,000 | 56,000 | 31,000 |
| Securities available for sale | 5,369,000 | 5,475,000 | 5,504,000 | 5,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,287,000 | 10,138,000 | 10,083,000 | 10,483,000 |
| Interest-bearing deposits | 10,166,000 | 10,016,000 | 9,948,000 | 10,375,000 |
| Noninterest-bearing deposits | 121,000 | 122,000 | 135,000 | 108,000 |
| Equity capital | 1,245,000 | 1,350,000 | 1,363,000 | 1,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 109,000 | 215,000 | 317,000 | 419,000 |
| Interest expense | 14,000 | 28,000 | 40,000 | 54,000 |
| Net interest income | 95,000 | 187,000 | 277,000 | 365,000 |
| Noninterest income | 4,000 | 10,000 | 14,000 | 20,000 |
| Noninterest expense | 94,000 | 183,000 | 291,000 | 385,000 |
| Provision for loan losses | 0 | 0 | 9,000 | 9,000 |
| Pretax income | 5,000 | 14,000 | -9,000 | -9,000 |
| Income tax | 1,000 | 2,000 | 1,000 | 1,000 |
| Net income | 4,000 | 12,000 | -10,000 | -10,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,580,000 | 1,589,000 | 1,566,000 | 1,566,000 |
| Total capital | 1,638,000 | 1,648,000 | 1,616,000 | 1,567,000 |
| Risk-weighted assets | 5,142,000 | 5,080,000 | 5,000,000 | 4,889,000 |