Call reports 2005
COMMERCIAL STATE BANK OF WATERLOO — 2005
What COMMERCIAL STATE BANK OF WATERLOO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 114,928,000 | 121,788,000 | 128,434,000 | 135,112,000 |
| Total loans | 55,586,000 | 62,890,000 | 70,453,000 | 74,654,000 |
| Allowance for loan losses | 443,000 | 436,000 | 433,000 | 430,000 |
| Securities available for sale | 51,840,000 | 51,433,000 | 50,230,000 | 51,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,038,000 | 105,888,000 | 105,066,000 | 114,431,000 |
| Interest-bearing deposits | 84,387,000 | 92,499,000 | 92,688,000 | 100,019,000 |
| Noninterest-bearing deposits | 11,651,000 | 13,389,000 | 12,378,000 | 14,412,000 |
| Equity capital | 8,809,000 | 9,575,000 | 9,523,000 | 8,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,890,000 | 4,510,000 | 6,206,000 |
| Interest expense | 484,000 | 1,063,000 | 1,768,000 | 2,570,000 |
| Net interest income | 910,000 | 1,827,000 | 2,742,000 | 3,636,000 |
| Noninterest income | 144,000 | 284,000 | 438,000 | 586,000 |
| Noninterest expense | 704,000 | 1,440,000 | 2,235,000 | 3,026,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 5,000 |
| Pretax income | 350,000 | 671,000 | 942,000 | 1,191,000 |
| Income tax | 90,000 | 169,000 | 223,000 | 303,000 |
| Net income | 260,000 | 502,000 | 719,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,542,000 | 9,695,000 | 9,911,000 | 9,930,000 |
| Total capital | 9,985,000 | 10,131,000 | 10,344,000 | 10,360,000 |
| Risk-weighted assets | 69,001,000 | 74,419,000 | 79,209,000 | 82,235,000 |