Call reports 2014
FIRST NATIONAL BANK OF WATERLOO — 2014
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 374,920,000 | 388,560,000 | 384,189,000 | 382,327,000 |
| Total loans | 146,339,000 | 149,269,000 | 150,478,000 | 155,721,000 |
| Allowance for loan losses | 1,832,000 | 1,829,000 | 1,907,000 | 1,928,000 |
| Securities available for sale | 139,556,000 | 145,610,000 | 152,564,000 | 151,736,000 |
| Securities held to maturity | 47,420,000 | 44,772,000 | 45,778,000 | 42,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,343,000 | 332,436,000 | 321,798,000 | 322,328,000 |
| Interest-bearing deposits | 290,322,000 | 297,076,000 | 289,644,000 | 285,630,000 |
| Noninterest-bearing deposits | 33,021,000 | 35,360,000 | 32,153,000 | 36,698,000 |
| Equity capital | 36,065,000 | 37,681,000 | 38,059,000 | 38,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,001,000 | 6,010,000 | 9,108,000 | 12,219,000 |
| Interest expense | 631,000 | 1,263,000 | 1,883,000 | 2,485,000 |
| Net interest income | 2,370,000 | 4,747,000 | 7,225,000 | 9,734,000 |
| Noninterest income | 550,000 | 1,185,000 | 1,791,000 | 2,395,000 |
| Noninterest expense | 2,298,000 | 4,594,000 | 6,939,000 | 9,196,000 |
| Provision for loan losses | 60,000 | 130,000 | 205,000 | 255,000 |
| Pretax income | 642,000 | 1,322,000 | 2,046,000 | 2,893,000 |
| Income tax | 64,000 | 154,000 | 249,000 | 395,000 |
| Net income | 578,000 | 1,168,000 | 1,797,000 | 2,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,147,000 | 35,542,000 | 35,870,000 | 35,972,000 |
| Total capital | 36,979,000 | 37,371,000 | 37,777,000 | 37,900,000 |
| Risk-weighted assets | 181,469,000 | 185,206,000 | 185,719,000 | 187,125,000 |
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