Call reports 2016
WABASH SAVINGS BANK — 2016
What WABASH SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 10,223,000 | 9,978,000 | 10,070,000 | 9,752,000 |
| Total loans | 4,948,000 | 4,870,000 | 4,702,000 | 4,562,000 |
| Allowance for loan losses | 47,000 | 47,000 | 48,000 | 48,000 |
| Securities available for sale | 2,427,000 | 1,572,000 | 1,230,000 | 1,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,866,000 | 8,612,000 | 8,726,000 | 8,476,000 |
| Interest-bearing deposits | 7,474,000 | 7,320,000 | 7,248,000 | 7,088,000 |
| Noninterest-bearing deposits | 1,392,000 | 1,292,000 | 1,478,000 | 1,388,000 |
| Equity capital | 1,331,000 | 1,336,000 | 1,315,000 | 1,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 96,000 | 185,000 | 269,000 | 352,000 |
| Interest expense | 10,000 | 20,000 | 29,000 | 39,000 |
| Net interest income | 86,000 | 165,000 | 240,000 | 313,000 |
| Noninterest income | 2,000 | 6,000 | -2,000 | 2,000 |
| Noninterest expense | 97,000 | 193,000 | 283,000 | 369,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -20,000 | -21,000 | -44,000 | -53,000 |
| Income tax | -3,000 | -3,000 | -9,000 | -10,000 |
| Net income | -17,000 | -18,000 | -35,000 | -43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,329,000 | 1,330,000 | 1,313,000 | 1,306,000 |
| Total capital | 1,376,000 | 1,377,000 | 1,361,000 | 1,354,000 |
| Risk-weighted assets | 4,607,000 | 4,508,000 | 4,396,000 | 4,225,000 |