Call reports 2024
FIRST NATIONAL BANK OF WATERLOO — 2024
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 933,651,000 | 918,075,000 | 922,782,000 | 931,031,000 |
| Total loans | 531,244,000 | 537,357,000 | 536,608,000 | 523,262,000 |
| Allowance for loan losses | 7,077,000 | 7,299,000 | 7,402,000 | 7,833,000 |
| Securities available for sale | 112,167,000 | 110,329,000 | 113,124,000 | 108,385,000 |
| Securities held to maturity | 184,934,000 | 183,581,000 | 175,694,000 | 172,054,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 771,694,000 | 764,561,000 | 770,907,000 | 775,203,000 |
| Interest-bearing deposits | 623,546,000 | 618,034,000 | 625,186,000 | 643,009,000 |
| Noninterest-bearing deposits | 148,148,000 | 146,527,000 | 145,721,000 | 132,194,000 |
| Equity capital | 78,791,000 | 79,127,000 | 83,077,000 | 80,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 9,010,000 | 18,146,000 | 27,314,000 | 36,865,000 |
| Interest expense | 3,498,000 | 6,981,000 | 10,632,000 | 14,334,000 |
| Net interest income | 5,512,000 | 11,165,000 | 16,682,000 | 22,531,000 |
| Noninterest income | 1,197,000 | 2,448,000 | 3,810,000 | 5,073,000 |
| Noninterest expense | 5,521,000 | 10,923,000 | 16,806,000 | 21,714,000 |
| Provision for loan losses | 221,000 | 442,000 | 662,000 | 1,152,000 |
| Pretax income | 967,000 | 2,165,000 | 2,941,000 | 4,809,000 |
| Income tax | 135,000 | 324,000 | 412,000 | 809,000 |
| Net income | 832,000 | 1,841,000 | 2,529,000 | 4,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,009,000 | 77,481,000 | 78,332,000 | 79,266,000 |
| Total capital | 84,187,000 | 84,963,000 | 85,917,000 | 87,127,000 |
| Risk-weighted assets | 619,548,000 | 614,104,000 | 612,834,000 | 631,837,000 |