First National Bank of Waterloo in Waterloo, Illinois (IL)



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First National Bank of Waterloo routing number info

Table of contents:
First National Bank of Waterloo
GeneralFDIC Certificate #: 3842
Status: Active
Federal Reserve ID: 145545
Bank Holding Company (Regulatory Top Holder): First Waterloo Bancshares, Inc. (RSSDID: 1135404, Location: Waterloo, IL)
Date Established: June 12, 1912
WWW: http://www.fnbwaterloo.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 12492
FDIC's unique #: 2499
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 228 South Main Street, Waterloo, IL 62298
County: Monroe
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $348.8 mil
Equity capital: $33.5 mil
Deposits held in domestic offices: $287.5 mil
Return on assets (ROA): 0.66% ($2.3 mil)
Quarterly return on assets: 0.80% ($2.8 mil)
Return on Equity (ROE): 7.06% ($2.4 mil)
Quarterly return on equity: 8.29% ($2.8 mil)
Net income: $2.2 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 0.83% ($2,894.9 mil)
Quarterly Pretax return on assets: 0.89% ($3,104.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)78
Total assets$348,780
Cash and due from depository institutions$9,677
Interest-bearing balances$3,714
Securities$161,735
Federal funds sold & reverse repurchase agreements$12,021
Net loans & leases$141,918
Loan loss allowance $1,754
Trading account assets$0
Bank premises and fixed assets$5,970
Other real estate owned$6,375
Goodwill and other intangibles$1,491
All other assets$9,593
Life insurance assets$348,780
Total liabilities and capital$315,248
Total liabilities$287,467
Total deposits$256,211
Interest-bearing deposits$287,467
Deposits held in domestic offices$96
% insured (estimated)24560.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,221
All other liabilities $33,532
Total equity capital$33,532
Total bank equity capital$33,532
Perpetual preferred stock$0
Common stock$133
Surplus$458
Undivided profits $32,941
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $5,838
Income earned, not collected on loans $1,087
Earning assets $184
Long-term assets (5+ years) $1,565
Average Assets, year-to-date $319,388
Average Assets, quarterly $169,974
Volatile liabilities $337,529
Insider loans $347,260
FHLB advances $174,125
Loans and leases held for sale $348,991
Unused loan commitments $4,780
Tier 1 (core) risk-based capital $3,891
Tier 2 risk-based capital $29,976
Total risk weighted assets $0
Total unused commitments $889
Restructured Loans and leases $33,828
Derivatives$938
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,606
Total interest expense $3,752
Net interest income $8,854
Provision for loan and lease losses $320
Total noninterest income $2,464
Fiduciary activities $0
Service charges on deposit accounts $767
Trading account gains & fees $0
Additional noninterest income $1,697
Total noninterest expense $8,371
Salaries and employee benefits $4,654
Premises and equipment expense $952
Additional noninterest expense $2,765
Pre-tax net operating income $2,627
Securities gains (losses) $166
Applicable income taxes $564
Income before extraordinary items $2,229
Extraordinary gains - net $0
Net income attributable to bank $2,229
Net charge-offs $0
Cash dividends $2,229
Sale, conversion, retirement of capital stock, net $117
Net operating income $540
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.07%
Cost of funding earning assets 1.21%
Net interest margin 2.86%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 2.71%
Net operating income to assets 0.62%
Return on assets (ROA) 0.66%
Pretax return on assets 0.83%
Return on equity (ROE) 7.06%
Retained earnings to average equity (YTD only) 5.35%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 273.50%
Efficiency ratio25.19%
Assets per employee$73,962
Cash dividends to net income (YTD only)4.47%
Condition Ratios (%)
Loss allowance to loans 24.23%
Loss allowance to noncurrent loans 1.22%
Noncurrent assets plus other real estate owned to assets 161.36%
Noncurrent loans to loans 2.14%
Net loans and leases to deposits0.76%
Net loans and leases to core deposits 49.37%
Equity capital to assets 51.21%
Core capital (leverage) ratio 9.61%
Tier 1 risk-based capital ratio 8.59%
Total risk-based capital ratio 17.22%
Memoranda
Average assets$18
Average earning assets$337,529
Average equity $31,592
Average loans $309,397
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5 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02499First National Bank Of Waterloo228 South Main Street, Waterloo, IL 62298June 12, 1912Full Service Brick and Mortar
1201983North Facility744 North Market, Waterloo, IL 62298December 30, 1985Full Service Brick and Mortar
2201984Columbia Branch1421 North Main Street, Columbia, IL 62236December 16, 1998Full Service Brick and Mortar
4251393Waterloo Wal-Mart Bkg. Center Branch961 North Market Street, Waterloo, IL 62298September 16, 1998Full Service Retail
5462136Millstadt Branch645 East Washington Street, Millstadt, IL 62260December 21, 2006Full Service Brick and Mortar
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