Call reports 2016
FIRST NATIONAL BANK OF WATERLOO — 2016
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 438,400,000 | 444,380,000 | 446,690,000 | 453,798,000 |
| Total loans | 184,376,000 | 182,208,000 | 186,914,000 | 189,887,000 |
| Allowance for loan losses | 2,097,000 | 2,124,000 | 2,020,000 | 2,143,000 |
| Securities available for sale | 175,272,000 | 179,955,000 | 181,833,000 | 179,786,000 |
| Securities held to maturity | 36,777,000 | 30,473,000 | 32,044,000 | 35,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,583,000 | 379,879,000 | 383,700,000 | 387,306,000 |
| Interest-bearing deposits | 330,283,000 | 326,690,000 | 335,658,000 | 334,545,000 |
| Noninterest-bearing deposits | 46,300,000 | 53,189,000 | 48,041,000 | 52,761,000 |
| Equity capital | 49,204,000 | 50,314,000 | 50,826,000 | 47,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,541,000 | 7,014,000 | 10,463,000 | 14,110,000 |
| Interest expense | 557,000 | 1,112,000 | 1,668,000 | 2,218,000 |
| Net interest income | 2,984,000 | 5,902,000 | 8,795,000 | 11,892,000 |
| Noninterest income | 781,000 | 1,334,000 | 2,187,000 | 3,091,000 |
| Noninterest expense | 2,967,000 | 5,994,000 | 8,931,000 | 11,796,000 |
| Provision for loan losses | 45,000 | 120,000 | 185,000 | 305,000 |
| Pretax income | 785,000 | 1,165,000 | 2,007,000 | 3,090,000 |
| Income tax | 93,000 | 36,000 | 151,000 | 357,000 |
| Net income | 692,000 | 1,129,000 | 1,856,000 | 2,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,928,000 | 43,765,000 | 44,492,000 | 45,169,000 |
| Total capital | 46,025,000 | 45,889,000 | 46,512,000 | 47,312,000 |
| Risk-weighted assets | 233,505,000 | 231,546,000 | 236,292,000 | 250,363,000 |