Call reports 2023
FIRST NATIONAL BANK OF WATERLOO — 2023
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 833,873,000 | 832,018,000 | 917,430,000 | 939,373,000 |
| Total loans | 488,455,000 | 475,739,000 | 535,205,000 | 532,656,000 |
| Allowance for loan losses | 6,393,000 | 6,588,000 | 6,695,000 | 6,862,000 |
| Securities available for sale | 123,043,000 | 120,251,000 | 111,818,000 | 113,984,000 |
| Securities held to maturity | 162,336,000 | 163,317,000 | 182,590,000 | 182,785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 678,440,000 | 693,034,000 | 768,582,000 | 778,845,000 |
| Interest-bearing deposits | 549,071,000 | 566,779,000 | 616,911,000 | 629,647,000 |
| Noninterest-bearing deposits | 129,368,000 | 126,255,000 | 151,671,000 | 149,198,000 |
| Equity capital | 59,486,000 | 58,921,000 | 74,362,000 | 80,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,058,000 | 14,377,000 | 25,773,000 | 34,708,000 |
| Interest expense | 2,246,000 | 5,086,000 | 8,399,000 | 11,520,000 |
| Net interest income | 4,812,000 | 9,291,000 | 17,374,000 | 23,188,000 |
| Noninterest income | 886,000 | 1,953,000 | 3,776,000 | 4,914,000 |
| Noninterest expense | 4,912,000 | 9,789,000 | 17,168,000 | 22,413,000 |
| Provision for loan losses | 192,000 | 384,000 | 587,000 | 839,000 |
| Pretax income | 605,000 | 1,082,000 | 3,406,000 | 4,861,000 |
| Income tax | 47,000 | 54,000 | 569,000 | 847,000 |
| Net income | 558,000 | 1,028,000 | 2,837,000 | 4,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,498,000 | 66,587,000 | 76,716,000 | 77,293,000 |
| Total capital | 72,585,000 | 72,924,000 | 83,476,000 | 84,255,000 |
| Risk-weighted assets | 562,360,000 | 546,701,000 | 614,427,000 | 617,663,000 |