Call reports 2010
FIRST NATIONAL BANK OF WATERLOO — 2010
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 311,014,000 | 319,129,000 | 329,246,000 | 323,652,000 |
| Total loans | 147,616,000 | 149,794,000 | 154,560,000 | 143,714,000 |
| Allowance for loan losses | 1,435,000 | 1,540,000 | 1,568,000 | 1,551,000 |
| Securities available for sale | 107,948,000 | 107,489,000 | 111,239,000 | 117,662,000 |
| Securities held to maturity | 20,116,000 | 20,751,000 | 15,559,000 | 21,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,031,000 | 261,725,000 | 260,408,000 | 267,452,000 |
| Interest-bearing deposits | 236,127,000 | 240,854,000 | 238,116,000 | 244,036,000 |
| Noninterest-bearing deposits | 20,904,000 | 20,870,000 | 22,291,000 | 23,417,000 |
| Equity capital | 28,981,000 | 29,790,000 | 30,671,000 | 29,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,086,000 | 6,200,000 | 9,365,000 | 12,456,000 |
| Interest expense | 1,229,000 | 2,424,000 | 3,518,000 | 4,554,000 |
| Net interest income | 1,857,000 | 3,776,000 | 5,847,000 | 7,902,000 |
| Noninterest income | 566,000 | 1,039,000 | 1,917,000 | 3,001,000 |
| Noninterest expense | 2,035,000 | 4,128,000 | 6,319,000 | 8,475,000 |
| Provision for loan losses | 145,000 | 265,000 | 325,000 | 465,000 |
| Pretax income | 333,000 | 635,000 | 1,334,000 | 2,177,000 |
| Income tax | 52,000 | 123,000 | 261,000 | 363,000 |
| Net income | 281,000 | 512,000 | 1,073,000 | 1,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,900,000 | 27,899,000 | 28,260,000 | 28,688,000 |
| Total capital | 29,335,000 | 29,439,000 | 29,828,000 | 30,239,000 |
| Risk-weighted assets | 172,768,000 | 173,169,000 | 176,947,000 | 170,659,000 |
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