Call reports 2018
FIRST NATIONAL BANK OF WATERLOO — 2018
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 459,530,000 | 466,525,000 | 465,581,000 | 474,651,000 |
| Total loans | 230,346,000 | 232,212,000 | 244,817,000 | 260,576,000 |
| Allowance for loan losses | 2,814,000 | 2,949,000 | 3,005,000 | 3,112,000 |
| Securities available for sale | 143,376,000 | 138,015,000 | 135,019,000 | 129,941,000 |
| Securities held to maturity | 33,789,000 | 39,665,000 | 44,641,000 | 43,457,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,068,000 | 400,942,000 | 398,796,000 | 406,282,000 |
| Interest-bearing deposits | 334,906,000 | 336,006,000 | 330,962,000 | 335,307,000 |
| Noninterest-bearing deposits | 61,162,000 | 64,936,000 | 67,834,000 | 70,975,000 |
| Equity capital | 49,497,000 | 49,576,000 | 49,651,000 | 51,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,872,000 | 7,849,000 | 11,936,000 | 16,220,000 |
| Interest expense | 571,000 | 1,176,000 | 1,804,000 | 2,509,000 |
| Net interest income | 3,301,000 | 6,673,000 | 10,132,000 | 13,711,000 |
| Noninterest income | 768,000 | 1,521,000 | 2,220,000 | 3,008,000 |
| Noninterest expense | 3,090,000 | 6,594,000 | 9,820,000 | 13,059,000 |
| Provision for loan losses | 135,000 | 270,000 | 360,000 | 460,000 |
| Pretax income | 859,000 | 1,369,000 | 2,236,000 | 3,292,000 |
| Income tax | 114,000 | 154,000 | 295,000 | 483,000 |
| Net income | 745,000 | 1,215,000 | 1,941,000 | 2,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,848,000 | 48,018,000 | 48,744,000 | 49,112,000 |
| Total capital | 50,662,000 | 50,967,000 | 51,749,000 | 52,224,000 |
| Risk-weighted assets | 282,080,000 | 278,060,000 | 291,609,000 | 308,909,000 |