Call reports 2009
FIRST NATIONAL BANK OF WATERLOO — 2009
What FIRST NATIONAL BANK OF WATERLOO 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 | 271,794,000 | 278,964,000 | 306,812,000 | 308,416,000 |
| Total loans | 153,433,000 | 150,298,000 | 147,327,000 | 147,333,000 |
| Allowance for loan losses | 1,573,000 | 1,742,000 | 1,358,000 | 1,444,000 |
| Securities available for sale | 85,936,000 | 88,628,000 | 101,941,000 | 105,573,000 |
| Securities held to maturity | 11,101,000 | 12,099,000 | 13,233,000 | 17,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,782,000 | 224,954,000 | 245,482,000 | 251,339,000 |
| Interest-bearing deposits | 191,339,000 | 204,493,000 | 227,057,000 | 228,057,000 |
| Noninterest-bearing deposits | 22,443,000 | 20,461,000 | 18,424,000 | 23,282,000 |
| Equity capital | 27,824,000 | 27,684,000 | 29,219,000 | 28,574,000 |
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 | 3,148,000 | 6,181,000 | 9,299,000 | 12,395,000 |
| Interest expense | 1,161,000 | 2,373,000 | 3,630,000 | 4,922,000 |
| Net interest income | 1,987,000 | 3,808,000 | 5,669,000 | 7,473,000 |
| Noninterest income | 847,000 | 1,858,000 | 2,511,000 | 3,118,000 |
| Noninterest expense | 1,867,000 | 4,017,000 | 6,173,000 | 8,227,000 |
| Provision for loan losses | 210,000 | 400,000 | 475,000 | 575,000 |
| Pretax income | 817,000 | 1,340,000 | 1,665,000 | 1,922,000 |
| Income tax | 209,000 | 305,000 | 325,000 | 293,000 |
| Net income | 608,000 | 1,035,000 | 1,340,000 | 1,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,080,000 | 27,347,000 | 27,599,000 | 27,617,000 |
| Total capital | 28,653,000 | 29,089,000 | 28,957,000 | 29,061,000 |
| Risk-weighted assets | 166,175,000 | 167,264,000 | 170,951,000 | 171,528,000 |
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