Call reports 2017
FIRST NATIONAL BANK OF WATERLOO — 2017
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 457,961,000 | 460,558,000 | 463,629,000 | 460,881,000 |
| Total loans | 202,109,000 | 207,146,000 | 227,645,000 | 233,350,000 |
| Allowance for loan losses | 2,256,000 | 2,344,000 | 2,595,000 | 2,733,000 |
| Securities available for sale | 176,815,000 | 173,748,000 | 163,519,000 | 154,530,000 |
| Securities held to maturity | 37,123,000 | 35,904,000 | 34,879,000 | 34,429,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,586,000 | 396,406,000 | 395,893,000 | 380,730,000 |
| Interest-bearing deposits | 340,446,000 | 338,542,000 | 339,303,000 | 326,561,000 |
| Noninterest-bearing deposits | 56,140,000 | 57,864,000 | 56,590,000 | 54,169,000 |
| Equity capital | 49,196,000 | 50,067,000 | 50,621,000 | 50,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,653,000 | 7,433,000 | 11,241,000 | 15,202,000 |
| Interest expense | 523,000 | 1,047,000 | 1,569,000 | 2,110,000 |
| Net interest income | 3,130,000 | 6,386,000 | 9,672,000 | 13,092,000 |
| Noninterest income | 760,000 | 1,347,000 | 2,101,000 | 2,890,000 |
| Noninterest expense | 2,925,000 | 6,057,000 | 9,023,000 | 12,125,000 |
| Provision for loan losses | 155,000 | 325,000 | 585,000 | 735,000 |
| Pretax income | 874,000 | 1,527,000 | 2,446,000 | 3,437,000 |
| Income tax | 142,000 | 184,000 | 334,000 | 464,000 |
| Net income | 732,000 | 1,343,000 | 2,112,000 | 2,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,902,000 | 45,912,000 | 46,681,000 | 47,103,000 |
| Total capital | 48,158,000 | 48,256,000 | 49,276,000 | 49,836,000 |
| Risk-weighted assets | 254,829,000 | 260,112,000 | 278,710,000 | 282,287,000 |