Call reports 2025
FIRST NATIONAL BANK OF WATERLOO — 2025
What FIRST NATIONAL BANK OF WATERLOO reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 930,107,000 | 926,975,000 | 925,705,000 | 929,773,000 |
| Total loans | 534,517,000 | 531,513,000 | 543,613,000 | 543,183,000 |
| Allowance for loan losses | 8,069,000 | 8,205,000 | 8,275,000 | 8,361,000 |
| Securities available for sale | 110,487,000 | 110,471,000 | 112,617,000 | 109,198,000 |
| Securities held to maturity | 174,387,000 | 175,512,000 | 165,010,000 | 160,589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 765,254,000 | 774,295,000 | 764,924,000 | 764,498,000 |
| Interest-bearing deposits | 622,367,000 | 617,142,000 | 621,778,000 | 619,930,000 |
| Noninterest-bearing deposits | 142,887,000 | 157,153,000 | 143,146,000 | 144,568,000 |
| Equity capital | 82,195,000 | 83,480,000 | 86,903,000 | 88,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,592,000 | 19,510,000 | 29,689,000 | 40,189,000 |
| Interest expense | 3,498,000 | 6,827,000 | 10,118,000 | 13,415,000 |
| Net interest income | 6,094,000 | 12,683,000 | 19,571,000 | 26,774,000 |
| Noninterest income | 1,168,000 | 2,494,000 | 3,901,000 | 5,209,000 |
| Noninterest expense | 5,473,000 | 11,170,000 | 17,304,000 | 24,121,000 |
| Provision for loan losses | 253,000 | 491,000 | 650,000 | 769,000 |
| Pretax income | 1,536,000 | 3,516,000 | 5,438,000 | 6,893,000 |
| Income tax | 286,000 | 710,000 | 1,097,000 | 1,388,000 |
| Net income | 1,250,000 | 2,806,000 | 4,341,000 | 5,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,838,000 | 80,817,000 | 82,476,000 | 83,013,000 |
| Total capital | 87,929,000 | 88,859,000 | 90,390,000 | 91,369,000 |
| Risk-weighted assets | 647,349,000 | 643,226,000 | 632,680,000 | 668,212,000 |