| Weiss Ratings |
First National Bank of Waterloo
Waterloo, IL |
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| Rating | ||||
| Asset Quality Index | 4.30 | |||
| Capitalization Index | 6.60 | |||
| Liquidity Index | 1.50 | |||
| Profitability Index | 3.40 | |||
| Stability Index | 6.10 | |||
| Company Info |
First National Bank of Waterloo
Waterloo, IL |
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| FDIC Number | 3842 | |||
| Phone Number | (618) 939-6194 | |||
| Website | www.fnbwaterloo.bank | |||
| Asset Quality |
First National Bank of Waterloo
Waterloo, IL |
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| 1-Year Asset Growth | -0.14% | |||
| 5-Year Asset Growth | 5.34% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 1.04% | |||
| Non-Performing Loans to Capital | 9.50% | |||
| Non-Performing Loans to Loans | 1.68% | |||
| Balance Sheet |
First National Bank of Waterloo
Waterloo, IL |
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| Total Assets | 929.77M | |||
| Total Deposits | 764.50M | |||
| Capital and Reserves |
First National Bank of Waterloo
Waterloo, IL |
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| Capital | 88.30M | |||
| Leverage Ratio | 8.93 | |||
| Loan Loss Reserves to Loans | 1.54% | |||
| Risk-Based Capital Ratio | 13.67 | |||
| Liquidity |
First National Bank of Waterloo
Waterloo, IL |
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| Hot Money Ratio | 17.46% | |||
| Liquidity Ratio | 14.79% | |||
| Profitability |
First National Bank of Waterloo
Waterloo, IL |
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| 5-Year Return on Average Assets | 0.55% | |||
| Net Income | 5.51M | |||
| Net Interest Spread | 3.09% | |||
| Operating Profit to Average Assets | 0.74% | |||
| Overhead Efficiency Ratio | 75.42% | |||
| Return on Assets | 0.59% | |||
| Return on Equity | 6.53% | |||