Call reports 2015
FIRST NATIONAL BANK OF WATERLOO — 2015
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 388,622,000 | 388,377,000 | 441,760,000 | 436,536,000 |
| Total loans | 156,074,000 | 152,296,000 | 182,776,000 | 183,663,000 |
| Allowance for loan losses | 2,000,000 | 2,017,000 | 2,041,000 | 2,058,000 |
| Securities available for sale | 153,144,000 | 150,081,000 | 162,855,000 | 168,418,000 |
| Securities held to maturity | 38,457,000 | 41,759,000 | 45,177,000 | 43,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,704,000 | 332,897,000 | 379,409,000 | 372,017,000 |
| Interest-bearing deposits | 292,771,000 | 293,980,000 | 336,388,000 | 325,626,000 |
| Noninterest-bearing deposits | 36,934,000 | 38,917,000 | 43,020,000 | 46,391,000 |
| Equity capital | 39,457,000 | 38,365,000 | 47,693,000 | 47,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,037,000 | 5,882,000 | 10,030,000 | 13,664,000 |
| Interest expense | 571,000 | 1,141,000 | 1,853,000 | 2,424,000 |
| Net interest income | 2,466,000 | 4,741,000 | 8,177,000 | 11,240,000 |
| Noninterest income | 671,000 | 1,447,000 | 2,358,000 | 3,150,000 |
| Noninterest expense | 2,416,000 | 4,908,000 | 8,448,000 | 11,372,000 |
| Provision for loan losses | 40,000 | 55,000 | 70,000 | 85,000 |
| Pretax income | 705,000 | 1,425,000 | 2,282,000 | 3,245,000 |
| Income tax | 87,000 | 177,000 | 292,000 | 443,000 |
| Net income | 618,000 | 1,248,000 | 1,990,000 | 2,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,089,000 | 36,470,000 | 43,300,000 | 43,236,000 |
| Total capital | 38,089,000 | 38,487,000 | 45,341,000 | 45,294,000 |
| Risk-weighted assets | 200,011,000 | 198,390,000 | 249,611,000 | 240,912,000 |