Call reports 2012
FIRST NATIONAL BANK OF WATERLOO — 2012
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 353,303,000 | 358,741,000 | 375,667,000 | 363,584,000 |
| Total loans | 139,999,000 | 141,025,000 | 141,073,000 | 143,151,000 |
| Allowance for loan losses | 1,833,000 | 1,913,000 | 1,944,000 | 1,828,000 |
| Securities available for sale | 135,710,000 | 143,440,000 | 149,896,000 | 152,693,000 |
| Securities held to maturity | 22,939,000 | 21,248,000 | 19,797,000 | 22,123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,559,000 | 297,441,000 | 310,344,000 | 302,163,000 |
| Interest-bearing deposits | 263,557,000 | 267,846,000 | 278,207,000 | 273,565,000 |
| Noninterest-bearing deposits | 29,002,000 | 29,596,000 | 32,137,000 | 28,598,000 |
| Equity capital | 34,437,000 | 35,695,000 | 36,859,000 | 36,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,023,000 | 5,992,000 | 8,876,000 | 11,966,000 |
| Interest expense | 844,000 | 1,669,000 | 2,477,000 | 3,258,000 |
| Net interest income | 2,179,000 | 4,323,000 | 6,399,000 | 8,708,000 |
| Noninterest income | 750,000 | 1,582,000 | 2,547,000 | 2,943,000 |
| Noninterest expense | 2,116,000 | 4,271,000 | 6,596,000 | 8,955,000 |
| Provision for loan losses | 75,000 | 150,000 | 210,000 | 270,000 |
| Pretax income | 817,000 | 1,603,000 | 2,330,000 | 2,686,000 |
| Income tax | 205,000 | 390,000 | 565,000 | 219,000 |
| Net income | 612,000 | 1,213,000 | 1,765,000 | 2,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,670,000 | 31,162,000 | 31,695,000 | 32,970,000 |
| Total capital | 32,503,000 | 33,075,000 | 33,639,000 | 34,798,000 |
| Risk-weighted assets | 170,830,000 | 172,049,000 | 173,228,000 | 173,790,000 |
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