First National Bank of Waterloo in Waterloo, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


First National Bank of Waterloo - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 78Total employees (full-time equivalent)
  • $348,780Total assets
  • $9,677Cash and due from depository institutions
  • $3,714Interest-bearing balances
  • $161,735Securities
  • $12,021Federal funds sold & reverse repurchase agreements
  • $141,918Net loans & leases
  • $1,754Loan loss allowance
  • $0Trading account assets
  • $5,970Bank premises and fixed assets
  • $6,375Other real estate owned
  • $1,491Goodwill and other intangibles
  • $348,780Life insurance assets
  • $9,593All other assets
  • $315,248Total liabilities and capital
  • $287,467Total liabilities
  • $256,211Total deposits
  • $287,467Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 24560.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,221Subordinated debt
  • $33,532All other liabilities
  • $33,532Total equity capital
  • $33,532Total bank equity capital
  • $0Perpetual preferred stock
  • $133Common stock
  • $458Surplus
  • $32,941Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,838Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,087Income earned, not collected on loans
  • $184Earning assets
  • $1,565Long-term assets (5+ years)
  • $319,388Average Assets, year-to-date
  • $169,974Average Assets, quarterly
  • $337,529Volatile liabilities
  • $347,260Insider loans
  • $174,125FHLB advances
  • $348,991Loans and leases held for sale
  • $4,780Unused loan commitments
  • $3,891Tier 1 (core) risk-based capital
  • $29,976Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $889Total unused commitments
  • $33,828Restructured Loans and leases
  • $938Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,606Total interest income
  • $3,752Total interest expense
  • $8,854Net interest income
  • $320Provision for loan and lease losses
  • $2,464Total noninterest income
  • $0Fiduciary activities
  • $767Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,697Additional noninterest income
  • $8,371Total noninterest expense
  • $4,654Salaries and employee benefits
  • $952Premises and equipment expense
  • $2,765Additional noninterest expense
  • $2,627Pre-tax net operating income
  • $166Securities gains (losses)
  • $564Applicable income taxes
  • $2,229Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,229Net income attributable to bank
  • $0Net charge-offs
  • $2,229Cash dividends
  • $117Sale, conversion, retirement of capital stock, net
  • $540Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.07%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 2.86%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 7.06%Return on equity (ROE)
  • 5.35%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 273.50%Credit loss provision to net charge-offs
  • 25.19%Efficiency ratio
  • 73,962Assets per employee
  • 4.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.23%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 161.36%Noncurrent assets plus other real estate owned to assets
  • 2.14%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 49.37%Net loans and leases to core deposits
  • 51.21%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 17.22%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $337,529Average earning assets
  • $31,592Average equity
  • $309,397Average loans

List of branches

  • 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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