Call reports 2007
COMMERCIAL STATE BANK OF WATERLOO — 2007
What COMMERCIAL STATE BANK OF WATERLOO reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 165,255,000 | 149,118,000 | 148,346,000 | 140,122,000 |
| Total loans | 103,705,000 | 101,608,000 | 100,526,000 | 99,060,000 |
| Allowance for loan losses | 460,000 | 489,000 | 531,000 | 681,000 |
| Securities available for sale | 39,831,000 | 35,591,000 | 35,736,000 | 29,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 10,727,000 | 0 | 0 | 0 |
| Total deposits | 127,912,000 | 127,992,000 | 125,955,000 | 121,250,000 |
| Interest-bearing deposits | 109,974,000 | 108,687,000 | 103,529,000 | 107,301,000 |
| Noninterest-bearing deposits | 17,938,000 | 19,305,000 | 22,426,000 | 13,949,000 |
| Equity capital | 10,093,000 | 10,014,000 | 10,213,000 | 10,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,395,000 | 4,694,000 | 6,931,000 | 9,084,000 |
| Interest expense | 1,484,000 | 2,878,000 | 4,153,000 | 5,331,000 |
| Net interest income | 911,000 | 1,816,000 | 2,778,000 | 3,753,000 |
| Noninterest income | 207,000 | 334,000 | 500,000 | 688,000 |
| Noninterest expense | 922,000 | 1,791,000 | 2,737,000 | 3,723,000 |
| Provision for loan losses | 35,000 | 85,000 | 130,000 | 286,000 |
| Pretax income | 161,000 | 270,000 | 407,000 | 428,000 |
| Income tax | 27,000 | 47,000 | 91,000 | 105,000 |
| Net income | 134,000 | 223,000 | 316,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,482,000 | 10,544,000 | 10,636,000 | 10,617,000 |
| Total capital | 10,942,000 | 11,033,000 | 11,167,000 | 11,298,000 |
| Risk-weighted assets | 96,318,000 | 92,059,000 | 91,957,000 | 89,623,000 |