Call reports 2011
FIRST NATIONAL BANK OF WATERLOO — 2011
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 331,997,000 | 337,476,000 | 345,740,000 | 348,780,000 |
| Total loans | 141,112,000 | 139,064,000 | 138,096,000 | 143,672,000 |
| Allowance for loan losses | 1,642,000 | 1,665,000 | 1,758,000 | 1,754,000 |
| Securities available for sale | 121,358,000 | 121,257,000 | 129,319,000 | 130,295,000 |
| Securities held to maturity | 26,510,000 | 27,394,000 | 31,940,000 | 31,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,956,000 | 278,181,000 | 279,890,000 | 287,467,000 |
| Interest-bearing deposits | 252,592,000 | 253,541,000 | 254,016,000 | 256,211,000 |
| Noninterest-bearing deposits | 24,364,000 | 24,641,000 | 25,874,000 | 31,257,000 |
| Equity capital | 30,059,000 | 31,751,000 | 33,340,000 | 33,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,093,000 | 6,309,000 | 9,492,000 | 12,606,000 |
| Interest expense | 983,000 | 1,941,000 | 2,867,000 | 3,752,000 |
| Net interest income | 2,110,000 | 4,368,000 | 6,625,000 | 8,854,000 |
| Noninterest income | 539,000 | 1,071,000 | 1,801,000 | 2,464,000 |
| Noninterest expense | 2,043,000 | 4,150,000 | 6,305,000 | 8,371,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 320,000 |
| Pretax income | 605,000 | 1,273,000 | 2,017,000 | 2,793,000 |
| Income tax | 142,000 | 299,000 | 481,000 | 564,000 |
| Net income | 463,000 | 974,000 | 1,536,000 | 2,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,117,000 | 29,399,000 | 29,666,000 | 29,976,000 |
| Total capital | 30,759,000 | 31,064,000 | 31,424,000 | 31,730,000 |
| Risk-weighted assets | 171,214,000 | 169,680,000 | 170,135,000 | 174,125,000 |
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