Call reports 2004
COMMERCIAL STATE BANK OF WATERLOO — 2004
What COMMERCIAL STATE BANK OF WATERLOO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 93,084,000 | 92,495,000 | 105,811,000 | 110,006,000 |
| Total loans | 46,221,000 | 49,687,000 | 49,674,000 | 53,292,000 |
| Allowance for loan losses | 449,000 | 439,000 | 454,000 | 451,000 |
| Securities available for sale | 16,820,000 | 9,428,000 | 49,165,000 | 49,569,000 |
| Securities held to maturity | 24,190,000 | 27,226,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,910,000 | 78,358,000 | 91,743,000 | 96,551,000 |
| Interest-bearing deposits | 69,434,000 | 68,589,000 | 82,295,000 | 84,988,000 |
| Noninterest-bearing deposits | 9,476,000 | 9,769,000 | 9,448,000 | 11,563,000 |
| Equity capital | 9,006,000 | 8,850,000 | 9,342,000 | 9,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,166,000 | 2,330,000 | 3,513,000 | 4,875,000 |
| Interest expense | 332,000 | 665,000 | 1,036,000 | 1,487,000 |
| Net interest income | 834,000 | 1,665,000 | 2,477,000 | 3,388,000 |
| Noninterest income | 122,000 | 253,000 | 384,000 | 514,000 |
| Noninterest expense | 589,000 | 1,254,000 | 1,939,000 | 2,601,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 35,000 |
| Pretax income | 495,000 | 1,074,000 | 1,427,000 | 1,817,000 |
| Income tax | 162,000 | 324,000 | 422,000 | 536,000 |
| Net income | 333,000 | 750,000 | 1,005,000 | 1,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,604,000 | 8,931,000 | 9,185,000 | 9,282,000 |
| Total capital | 9,053,000 | 9,370,000 | 9,639,000 | 9,733,000 |
| Risk-weighted assets | 58,495,000 | 56,111,000 | 62,566,000 | 65,711,000 |