Call reports 2006
COMMERCIAL STATE BANK OF WATERLOO — 2006
What COMMERCIAL STATE BANK OF WATERLOO reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 141,852,000 | 150,892,000 | 163,147,000 | 164,223,000 |
| Total loans | 83,732,000 | 91,605,000 | 96,597,000 | 100,628,000 |
| Allowance for loan losses | 438,000 | 458,000 | 445,000 | 429,000 |
| Securities available for sale | 49,970,000 | 48,875,000 | 55,852,000 | 52,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,160,000 | 118,991,000 | 130,263,000 | 131,828,000 |
| Interest-bearing deposits | 102,675,000 | 105,349,000 | 116,172,000 | 117,262,000 |
| Noninterest-bearing deposits | 13,485,000 | 13,642,000 | 14,091,000 | 14,566,000 |
| Equity capital | 8,964,000 | 8,656,000 | 9,655,000 | 9,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,862,000 | 3,921,000 | 6,159,000 | 8,549,000 |
| Interest expense | 899,000 | 1,936,000 | 3,222,000 | 4,690,000 |
| Net interest income | 963,000 | 1,985,000 | 2,937,000 | 3,859,000 |
| Noninterest income | 160,000 | 297,000 | 442,000 | 595,000 |
| Noninterest expense | 823,000 | 1,564,000 | 2,404,000 | 3,297,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 115,000 |
| Pretax income | 270,000 | 673,000 | 900,000 | 1,023,000 |
| Income tax | 72,000 | 202,000 | 258,000 | 284,000 |
| Net income | 198,000 | 471,000 | 642,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,128,000 | 10,311,000 | 10,482,000 | 10,525,000 |
| Total capital | 10,566,000 | 10,769,000 | 10,927,000 | 10,954,000 |
| Risk-weighted assets | 81,450,000 | 80,860,000 | 86,447,000 | 91,778,000 |