Call reports 2013
FIRST NATIONAL BANK OF WATERLOO — 2013
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 369,340,000 | 365,743,000 | 369,900,000 | 371,651,000 |
| Total loans | 140,605,000 | 141,942,000 | 144,155,000 | 148,802,000 |
| Allowance for loan losses | 1,836,000 | 1,850,000 | 1,837,000 | 1,787,000 |
| Securities available for sale | 148,877,000 | 139,947,000 | 142,055,000 | 142,063,000 |
| Securities held to maturity | 27,611,000 | 34,026,000 | 44,577,000 | 46,293,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,908,000 | 314,959,000 | 316,563,000 | 319,601,000 |
| Interest-bearing deposits | 282,028,000 | 284,846,000 | 285,641,000 | 284,145,000 |
| Noninterest-bearing deposits | 29,880,000 | 30,113,000 | 30,922,000 | 35,456,000 |
| Equity capital | 37,074,000 | 34,059,000 | 35,099,000 | 34,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,785,000 | 5,550,000 | 8,441,000 | 11,498,000 |
| Interest expense | 730,000 | 1,437,000 | 2,124,000 | 2,790,000 |
| Net interest income | 2,055,000 | 4,113,000 | 6,317,000 | 8,708,000 |
| Noninterest income | 813,000 | 1,578,000 | 2,176,000 | 2,852,000 |
| Noninterest expense | 2,231,000 | 4,558,000 | 6,920,000 | 9,160,000 |
| Provision for loan losses | 60,000 | 120,000 | 165,000 | 225,000 |
| Pretax income | 657,000 | 1,151,000 | 1,632,000 | 2,447,000 |
| Income tax | 98,000 | 133,000 | 147,000 | 298,000 |
| Net income | 559,000 | 1,018,000 | 1,485,000 | 2,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,529,000 | 33,788,000 | 34,255,000 | 34,569,000 |
| Total capital | 35,365,000 | 35,638,000 | 36,092,000 | 36,356,000 |
| Risk-weighted assets | 173,648,000 | 176,502,000 | 178,882,000 | 182,166,000 |
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