Call reports 2021
FIRST NATIONAL BANK OF WATERLOO — 2021
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 784,930,000 | 801,265,000 | 820,792,000 | 820,391,000 |
| Total loans | 411,806,000 | 412,910,000 | 416,203,000 | 410,706,000 |
| Allowance for loan losses | 4,391,000 | 4,601,000 | 4,841,000 | 5,234,000 |
| Securities available for sale | 146,913,000 | 157,798,000 | 167,043,000 | 167,081,000 |
| Securities held to maturity | 76,180,000 | 107,604,000 | 113,697,000 | 135,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 667,124,000 | 696,647,000 | 710,440,000 | 701,296,000 |
| Interest-bearing deposits | 550,716,000 | 577,125,000 | 590,830,000 | 574,056,000 |
| Noninterest-bearing deposits | 116,407,000 | 119,522,000 | 119,610,000 | 127,240,000 |
| Equity capital | 68,551,000 | 68,949,000 | 70,865,000 | 71,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,205,000 | 10,827,000 | 16,570,000 | 22,201,000 |
| Interest expense | 963,000 | 1,826,000 | 2,534,000 | 3,087,000 |
| Net interest income | 4,242,000 | 9,001,000 | 14,036,000 | 19,114,000 |
| Noninterest income | 1,538,000 | 2,848,000 | 4,379,000 | 5,628,000 |
| Noninterest expense | 3,796,000 | 8,451,000 | 12,555,000 | 17,545,000 |
| Provision for loan losses | 207,000 | 414,000 | 680,000 | 1,047,000 |
| Pretax income | 1,856,000 | 3,156,000 | 5,429,000 | 6,521,000 |
| Income tax | 420,000 | 685,000 | 1,194,000 | 1,378,000 |
| Net income | 1,436,000 | 2,471,000 | 4,235,000 | 5,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,023,000 | 63,586,000 | 65,379,000 | 66,314,000 |
| Total capital | 67,414,000 | 68,187,000 | 70,220,000 | 71,548,000 |
| Risk-weighted assets | 493,945,000 | 474,831,000 | 489,296,000 | 501,761,000 |