Call reports 2001
COMMERCIAL STATE BANK OF WATERLOO — 2001
What COMMERCIAL STATE BANK OF WATERLOO reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 78,133,000 | 77,138,000 | 77,997,000 | 76,598,000 |
| Total loans | 48,693,000 | 46,930,000 | 45,471,000 | 42,176,000 |
| Allowance for loan losses | 533,000 | 539,000 | 543,000 | 521,000 |
| Securities available for sale | 12,665,000 | 14,113,000 | 19,363,000 | 21,190,000 |
| Securities held to maturity | 11,596,000 | 9,982,000 | 6,210,000 | 7,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,436,000 | 68,955,000 | 69,736,000 | 68,324,000 |
| Interest-bearing deposits | 63,482,000 | 62,502,000 | 62,497,000 | 60,493,000 |
| Noninterest-bearing deposits | 6,954,000 | 6,453,000 | 7,239,000 | 7,831,000 |
| Equity capital | 6,551,000 | 6,616,000 | 6,946,000 | 6,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,873,000 | 4,275,000 | 5,601,000 |
| Interest expense | 890,000 | 1,726,000 | 2,486,000 | 3,164,000 |
| Net interest income | 563,000 | 1,147,000 | 1,789,000 | 2,437,000 |
| Noninterest income | 78,000 | 169,000 | 248,000 | 368,000 |
| Noninterest expense | 463,000 | 906,000 | 1,370,000 | 1,853,000 |
| Provision for loan losses | 4,000 | 16,000 | 24,000 | 34,000 |
| Pretax income | 174,000 | 394,000 | 643,000 | 918,000 |
| Income tax | 53,000 | 119,000 | 196,000 | 284,000 |
| Net income | 121,000 | 275,000 | 447,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,506,000 | 6,570,000 | 6,742,000 | 6,839,000 |
| Total capital | 7,039,000 | 7,109,000 | 7,285,000 | 7,360,000 |
| Risk-weighted assets | 45,903,000 | 46,886,000 | 47,163,000 | 45,052,000 |