First National Bank of Waterloo in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Waterloo in Waterloo, Illinois (IL)
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First National Bank of Waterloo routing number info

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

No	ID	Name	Address	Established	Service Type
0	2499	First National Bank Of Waterloo	228 South Main Street, Waterloo, IL 62298	June 12, 1912	Full Service Brick and Mortar
1	201983	North Facility	744 North Market, Waterloo, IL 62298	December 30, 1985	Full Service Brick and Mortar
2	201984	Columbia Branch	1421 North Main Street, Columbia, IL 62236	December 16, 1998	Full Service Brick and Mortar
4	251393	Waterloo Wal-Mart Bkg. Center Branch	961 North Market Street, Waterloo, IL 62298	September 16, 1998	Full Service Retail
5	462136	Millstadt Branch	645 East Washington Street, Millstadt, IL 62260	December 21, 2006	Full Service Brick and Mortar

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

First National Bank of Waterloo - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First National Bank of Waterloo - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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