Call reports 2019
FIRST NATIONAL BANK OF WATERLOO — 2019
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 479,578,000 | 488,116,000 | 485,473,000 | 491,832,000 |
| Total loans | 263,201,000 | 269,299,000 | 276,115,000 | 280,067,000 |
| Allowance for loan losses | 3,254,000 | 3,321,000 | 3,392,000 | 3,473,000 |
| Securities available for sale | 125,573,000 | 127,825,000 | 127,543,000 | 120,179,000 |
| Securities held to maturity | 44,934,000 | 39,913,000 | 37,492,000 | 38,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,395,000 | 398,176,000 | 401,281,000 | 394,814,000 |
| Interest-bearing deposits | 334,065,000 | 327,078,000 | 327,679,000 | 326,419,000 |
| Noninterest-bearing deposits | 69,330,000 | 71,098,000 | 73,603,000 | 68,395,000 |
| Equity capital | 53,322,000 | 54,672,000 | 54,959,000 | 54,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,345,000 | 8,722,000 | 13,117,000 | 17,473,000 |
| Interest expense | 727,000 | 1,464,000 | 2,226,000 | 2,989,000 |
| Net interest income | 3,618,000 | 7,258,000 | 10,891,000 | 14,484,000 |
| Noninterest income | 672,000 | 1,457,000 | 2,360,000 | 3,311,000 |
| Noninterest expense | 2,799,000 | 6,130,000 | 9,368,000 | 12,994,000 |
| Provision for loan losses | 90,000 | 165,000 | 240,000 | 360,000 |
| Pretax income | 1,401,000 | 2,419,000 | 3,642,000 | 4,458,000 |
| Income tax | 280,000 | 466,000 | 715,000 | 852,000 |
| Net income | 1,121,000 | 1,953,000 | 2,927,000 | 3,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,232,000 | 50,739,000 | 50,532,000 | 50,711,000 |
| Total capital | 53,486,000 | 54,060,000 | 53,924,000 | 54,184,000 |
| Risk-weighted assets | 321,467,000 | 336,660,000 | 341,365,000 | 354,941,000 |