STATE BANK OF WATERLOO RETIREMENT TRUST 401k Plan overview

STATE BANK OF WATERLOO RETIREMENT TRUST Benefits

401k Sponsoring company profile

Company Name:	STATE BANK OF WATERLOO
Employer identification number (EIN):	370532990
NAIC Classification:	522110
NAIC Description:	Commercial Banking

Form 5500 Filing Information

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2020-04-01	KEVIN T. DAY	2021-11-30
001	2019-04-01	KEVIN T. DAY	2021-01-15
001	2018-04-01	KEVIN T. DAY	2020-01-13
001	2017-04-01	KEVIN T. DAY	2018-10-29
001	2016-04-01	KEVIN T. DAY	2017-12-21
001	2015-04-01	KEVIN T. DAY	2016-10-26
001	2014-04-01	KEVIN T. DAY	2015-10-24
001	2013-04-01	KEVIN T. DAY	2014-10-27
001	2012-04-01	MARK ALTADONNA	2013-12-27
001	2011-04-01	MARK ALTADONNA	2012-11-13
001	2010-04-01	MARK ALTADONNA	2011-11-03	MARK ALTADONNA	2011-11-03

Plan Statistics for STATE BANK OF WATERLOO RETIREMENT TRUST

Measure	Date	Value
2020: STATE BANK OF WATERLOO RETIREMENT TRUST 2020 401k membership
Market value of plan assets	2020-03-31	503,476
Acturial value of plan assets	2020-03-31	503,476
Funding target for retired participants and beneficiaries receiving payment	2020-03-31	0
Number of terminated vested participants	2020-03-31	6
Fundng target for terminated vested participants	2020-03-31	140,665
Active participant vested funding target	2020-03-31	465,545
Number of active participants	2020-03-31	16
Total funding liabilities for active participants	2020-03-31	468,848
Total participant count	2020-03-31	22
Total funding target for all participants	2020-03-31	609,513
Balance at beginning of prior year after applicable adjustments	2020-03-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2020-03-31	3
Amount remaining of carryover balance	2020-03-31	0
Amount remaining of prefunding balance	2020-03-31	3
Present value of excess contributions	2020-03-31	139,116
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2020-03-31	147,407
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2020-03-31	0
Reductions in caryover balances due to elections or deemed elections	2020-03-31	0
Reductions in prefunding balances due to elections or deemed elections	2020-03-31	0
Balance of carryovers at beginning of current year	2020-03-31	0
Balance of prefunding at beginning of current year	2020-03-31	3
Total employer contributions	2020-03-31	406,017
Total employee contributions	2020-03-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2020-03-31	0
Contributions made to avoid restrictions adjusted to valuation date	2020-03-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2020-03-31	387,797
Liquidity shortfalls end of Q1	2020-03-31	0
Liquidity shortfalls end of Q2	2020-03-31	0
Liquidity shortfalls end of Q3	2020-03-31	0
Liquidity shortfalls end of Q4	2020-03-31	0
Unpaid minimum required contributions for all prior years	2020-03-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2020-03-31	0
Remaining amount of unpaid minimum required contributions	2020-03-31	0
Minimum required contributions for current year target normal cost	2020-03-31	0
Net shortfall amortization installment of oustanding balance	2020-03-31	106,040
Waiver amortization installment	2020-03-31	0
Total funding amount beforereflecting carryover/prefunding balances	2020-03-31	23,727
Additional cash requirement	2020-03-31	23,727
Contributions allocatedtoward minimum required contributions for current year	2020-03-31	387,797
Unpaid minimum required contributions for current year	2020-03-31	0
Unpaid minimum required contributions for all years	2020-03-31	0
2019: STATE BANK OF WATERLOO RETIREMENT TRUST 2019 401k membership
Market value of plan assets	2019-03-31	494,264
Acturial value of plan assets	2019-03-31	494,264
Funding target for retired participants and beneficiaries receiving payment	2019-03-31	0
Number of terminated vested participants	2019-03-31	5
Fundng target for terminated vested participants	2019-03-31	88,500
Active participant vested funding target	2019-03-31	519,614
Number of active participants	2019-03-31	17
Total funding liabilities for active participants	2019-03-31	527,065
Total participant count	2019-03-31	22
Total funding target for all participants	2019-03-31	615,565
Balance at beginning of prior year after applicable adjustments	2019-03-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2019-03-31	3
Amount remaining of carryover balance	2019-03-31	0
Amount remaining of prefunding balance	2019-03-31	3
Present value of excess contributions	2019-03-31	44,138
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2019-03-31	46,830
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2019-03-31	0
Reductions in prefunding balances due to elections or deemed elections	2019-03-31	0
Balance of carryovers at beginning of current year	2019-03-31	0
Balance of prefunding at beginning of current year	2019-03-31	3
Total employer contributions	2019-03-31	180,000
Total employee contributions	2019-03-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2019-03-31	0
Contributions made to avoid restrictions adjusted to valuation date	2019-03-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2019-03-31	170,441
Liquidity shortfalls end of Q1	2019-03-31	0
Liquidity shortfalls end of Q2	2019-03-31	0
Liquidity shortfalls end of Q3	2019-03-31	0
Liquidity shortfalls end of Q4	2019-03-31	0
Unpaid minimum required contributions for all prior years	2019-03-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2019-03-31	0
Remaining amount of unpaid minimum required contributions	2019-03-31	0
Minimum required contributions for current year target normal cost	2019-03-31	0
Net shortfall amortization installment of oustanding balance	2019-03-31	121,304
Total funding amount beforereflecting carryover/prefunding balances	2019-03-31	31,325
Additional cash requirement	2019-03-31	31,325
Contributions allocatedtoward minimum required contributions for current year	2019-03-31	170,441
Unpaid minimum required contributions for current year	2019-03-31	0
Unpaid minimum required contributions for all years	2019-03-31	0
2018: STATE BANK OF WATERLOO RETIREMENT TRUST 2018 401k membership
Market value of plan assets	2018-03-31	723,673
Acturial value of plan assets	2018-03-31	723,673
Funding target for retired participants and beneficiaries receiving payment	2018-03-31	0
Number of terminated vested participants	2018-03-31	3
Fundng target for terminated vested participants	2018-03-31	61,376
Active participant vested funding target	2018-03-31	821,743
Number of active participants	2018-03-31	22
Total funding liabilities for active participants	2018-03-31	831,752
Total participant count	2018-03-31	25
Total funding target for all participants	2018-03-31	893,128
Balance at beginning of prior year after applicable adjustments	2018-03-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2018-03-31	3
Amount remaining of carryover balance	2018-03-31	0
Amount remaining of prefunding balance	2018-03-31	3
Present value of excess contributions	2018-03-31	104,169
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2018-03-31	110,659
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2018-03-31	0
Reductions in prefunding balances due to elections or deemed elections	2018-03-31	0
Balance of carryovers at beginning of current year	2018-03-31	0
Balance of prefunding at beginning of current year	2018-03-31	3
Total employer contributions	2018-03-31	100,000
Total employee contributions	2018-03-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2018-03-31	0
Contributions made to avoid restrictions adjusted to valuation date	2018-03-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2018-03-31	95,086
Liquidity shortfalls end of Q1	2018-03-31	0
Liquidity shortfalls end of Q2	2018-03-31	0
Liquidity shortfalls end of Q3	2018-03-31	0
Liquidity shortfalls end of Q4	2018-03-31	0
Unpaid minimum required contributions for all prior years	2018-03-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2018-03-31	0
Remaining amount of unpaid minimum required contributions	2018-03-31	0
Minimum required contributions for current year target normal cost	2018-03-31	0
Net shortfall amortization installment of oustanding balance	2018-03-31	169,458
Waiver amortization installment	2018-03-31	0
Total funding amount beforereflecting carryover/prefunding balances	2018-03-31	50,948
Additional cash requirement	2018-03-31	50,948
Contributions allocatedtoward minimum required contributions for current year	2018-03-31	95,086
Unpaid minimum required contributions for current year	2018-03-31	0
Unpaid minimum required contributions for all years	2018-03-31	0
2017: STATE BANK OF WATERLOO RETIREMENT TRUST 2017 401k membership
Market value of plan assets	2017-03-31	1,064,636
Acturial value of plan assets	2017-03-31	1,064,636
Funding target for retired participants and beneficiaries receiving payment	2017-03-31	0
Number of terminated vested participants	2017-03-31	5
Fundng target for terminated vested participants	2017-03-31	466,371
Active participant vested funding target	2017-03-31	786,330
Number of active participants	2017-03-31	22
Total funding liabilities for active participants	2017-03-31	799,287
Total participant count	2017-03-31	27
Total funding target for all participants	2017-03-31	1,265,658
Balance at beginning of prior year after applicable adjustments	2017-03-31	0
Prefunding balance at beginning of prior year after applicable adjustments	2017-03-31	4,803
Carryover balanced portion elected for use to offset prior years funding requirement	2017-03-31	0
Prefunding balanced used to offset prior years funding requirement	2017-03-31	4,800
Amount remaining of carryover balance	2017-03-31	0
Amount remaining of prefunding balance	2017-03-31	3
Present value of excess contributions	2017-03-31	0
Total available prior years excess cotributions available at beginning of current plan year to add to prefunding balance	2017-03-31	0
Total available prior years excess cotributions added at beginning of current plan year to add to prefunding balance	2017-03-31	0
Balance of carryovers at beginning of current year	2017-03-31	0
Balance of prefunding at beginning of current year	2017-03-31	3
Total employer contributions	2017-03-31	162,230
Total employee contributions	2017-03-31	0
Contributions allocated toward unpaid minimum require contributions from prior years	2017-03-31	0
Contributions made to avoid restrictions adjusted to valuation date	2017-03-31	0
Contributions allocated toward minimum required contributions for current year adjusted to valuation date	2017-03-31	154,506
Liquidity shortfalls end of Q1	2017-03-31	0
Liquidity shortfalls end of Q2	2017-03-31	0
Liquidity shortfalls end of Q3	2017-03-31	0
Liquidity shortfalls end of Q4	2017-03-31	0
Unpaid minimum required contributions for all prior years	2017-03-31	0
iDiscounted employer contributions allocated toward unpaid minimum required contributions from prior years	2017-03-31	0
Remaining amount of unpaid minimum required contributions	2017-03-31	0
Minimum required contributions for current year target normal cost	2017-03-31	0
Net shortfall amortization installment of oustanding balance	2017-03-31	201,025
Waiver amortization installment	2017-03-31	0
Total funding amount beforereflecting carryover/prefunding balances	2017-03-31	50,337
Additional cash requirement	2017-03-31	50,337
Contributions allocatedtoward minimum required contributions for current year	2017-03-31	154,506
Unpaid minimum required contributions for current year	2017-03-31	0
Unpaid minimum required contributions for all years	2017-03-31	0

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