Call reports 2022
FIRST NATIONAL BANK OF WATERLOO — 2022
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 802,061,000 | 811,275,000 | 822,940,000 | 839,634,000 |
| Total loans | 408,844,000 | 437,494,000 | 461,826,000 | 482,385,000 |
| Allowance for loan losses | 5,435,000 | 5,681,000 | 5,982,000 | 6,190,000 |
| Securities available for sale | 159,358,000 | 152,957,000 | 136,352,000 | 132,176,000 |
| Securities held to maturity | 144,820,000 | 156,146,000 | 159,427,000 | 160,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 693,122,000 | 677,211,000 | 688,095,000 | 691,221,000 |
| Interest-bearing deposits | 567,131,000 | 550,449,000 | 548,083,000 | 558,521,000 |
| Noninterest-bearing deposits | 125,991,000 | 126,761,000 | 140,013,000 | 132,699,000 |
| Equity capital | 65,011,000 | 61,675,000 | 57,759,000 | 59,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,540,000 | 11,610,000 | 17,984,000 | 24,626,000 |
| Interest expense | 452,000 | 925,000 | 1,703,000 | 3,078,000 |
| Net interest income | 5,088,000 | 10,685,000 | 16,281,000 | 21,548,000 |
| Noninterest income | 965,000 | 1,825,000 | 2,923,000 | 3,857,000 |
| Noninterest expense | 4,178,000 | 9,150,000 | 14,355,000 | 19,229,000 |
| Provision for loan losses | 191,000 | 383,000 | 576,000 | 767,000 |
| Pretax income | 1,799,000 | 3,114,000 | 4,438,000 | 5,575,000 |
| Income tax | 367,000 | 599,000 | 783,000 | 968,000 |
| Net income | 1,432,000 | 2,515,000 | 3,655,000 | 4,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,171,000 | 68,279,000 | 69,442,000 | 67,919,000 |
| Total capital | 72,606,000 | 73,960,000 | 75,424,000 | 74,109,000 |
| Risk-weighted assets | 500,590,000 | 526,258,000 | 552,655,000 | 562,360,000 |