Vitals
  • Total Assets
    358.6M 6.3 %
  • Total Deposits
    304.4M 7.9 %
  • Total Net Loans
    272.2M -1.5 %
  • Net Income
    3.4M 9.6 %
  • Book Value
    45.6M 7.3 %
  • Book Value x2
    91.2M 7.3 %
  • Book Value x3
    136.9M 7.3 %
ROAA

.977

ROAE

7.57

Efficiency Ratio

54.58

Net Interest Margin

4.025

Balance Sheet Highlights
Financial Highlights First National Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 358,616 198,346
Total Net Loans 272,151 133,864
Total Deposits 304,441 165,124
Total Equity 45,623 22,060
Profitability
Net Income 3,352 2,310
Return on Average Assets .977 1.15
Return on Average Equity 7.57 9.92
Net Interest Margin 4.025 3.587
Efficiency Ratio 54.58 60.34
Noninterest Income/Revenue 9.568 13.494
Balance Sheet Ratios
Loan-to-Deposit 89.394 77.091
Securities/Assets .078 .197
Total Equity/Total Assets .127 .111
Tangible Equity/Tangible Assets .122 .107
Capital Adequacy
Tier 1 Common Capital 43,737 21,135
Tier 1 Capital 43,737 21,140
Tier 2 Capital 3,376 1,625
Total Capital 47,113 22,777
Total Risk Weighted Assets 275,752 151,308
Leverage Ratio 12.43 10.944
Common Equity Tier 1 Capital Ratio 15.86 15.631
Tier 1 Capital Ratio 15.86 15.631
Total Capital Ratio 17.09 16.675

Timeline for First National Bank

The First National Bank Of Cedar Falls

Acquisition: First National Bank acquired a new subsidiary, The First National Bank Of Cedar Falls, 18 years

View Profile Aug 20 2005

Plainfield Branch

Acquisition: First National Bank acquired a new subsidiary, Plainfield Branch , 25 years

View Profile Aug 07 1998

First Of Waverly Corporation

First Of Waverly Corporation became a new parent organization for First National Bank.

View Profile Mar 26 1982

Northeast Iowa Agricultural Credit Corporation

Northeast Iowa Agricultural Credit Corporation became a new subsidiary organization for First National Bank.

View Profile Feb 24 1982

First National Bank

First National Bank was established 160 years ago and is currently headquartered in Waverly, IA.

Jan 01 1864
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First National Bank Of Cedar Falls Seller 52,795 Pooling of Interests Discontinued 8/20/2005
Plainfield Branch Seller Acquisition Discontinued 8/7/1998
Relationships Role Relationship Start Relationship End
First Of Waverly Corporation Parent 12/26/2002
First Of Waverly Corporation Parent 10/12/1994 12/25/2002
First Of Waverly Corporation Parent 9/1/1993 10/11/1994
First Of Waverly Corporation Parent 3/26/1982 8/31/1993
Northeast Iowa Agricultural Credit Corporation Subsidary 2/24/1982 12/31/1989
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