401k Plan data: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN plan

FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 401k Plan overview

Plan Name	FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN
Plan identification number	001

FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Partial participant-directed account plan - Participants have the opportunity to direct the investment of a portion of the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Participant-directed brokerage accounts provided as an investment option under the plan.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

FIRST NATIONAL BANK OF WATERLOO has sponsored the creation of one or more 401k plans.

Company Name: FIRST NATIONAL BANK OF WATERLOO

Employer identification number (EIN): 370573575

NAIC Classification: 522120
NAIC Description: Savings Institutions

Form 5500 Filing Information

Submission information for form 5500 for 401k plan FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2023-01-01
001 2022-01-01
001 2021-01-01
001 2020-01-01
001 2019-01-01
001 2018-01-01
001 2017-01-01 JENNIFER HARRES
001 2017-01-01 JENNIFER HARRES
001 2016-01-01 JENNIFER HARRES
001 2015-01-01 JENNIFER HARRES
001 2015-01-01 JENNIFER HARRES 2016-07-28
001 2014-01-01 JENNIFER HARRES
001 2014-01-01 JENNIFER HARRES 2015-09-24
001 2013-01-01 JENNIFER HARRES
001 2012-01-01 GARY D. HEMMER 2013-07-18 JENNIFER HARRES 2013-07-30
001 2011-01-01 GARY D. HEMMER 2012-07-19
001 2010-01-01 GARY D. HEMMER 2011-07-14

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2023-01-01
001	2022-01-01
001	2021-01-01
001	2020-01-01
001	2019-01-01
001	2018-01-01
001	2017-01-01	JENNIFER HARRES
001	2017-01-01	JENNIFER HARRES
001	2016-01-01	JENNIFER HARRES
001	2015-01-01	JENNIFER HARRES
001	2015-01-01	JENNIFER HARRES	2016-07-28
001	2014-01-01	JENNIFER HARRES
001	2014-01-01	JENNIFER HARRES	2015-09-24
001	2013-01-01	JENNIFER HARRES
001	2012-01-01	GARY D. HEMMER	2013-07-18	JENNIFER HARRES	2013-07-30
001	2011-01-01	GARY D. HEMMER	2012-07-19
001	2010-01-01	GARY D. HEMMER	2011-07-14

Plan Statistics for FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN

401k plan membership statisitcs for FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN

Measure Date Value
2023: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2023 401k membership
Total participants, beginning-of-year 2023-01-01 160
Total number of active participants reported on line 7a of the Form 5500 2023-01-01 153
Number of retired or separated participants receiving benefits 2023-01-01 0
Number of other retired or separated participants entitled to future benefits 2023-01-01 29
Total of all active and inactive participants 2023-01-01 182
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2023-01-01 0
Total participants 2023-01-01 182
Number of participants with account balances 2023-01-01 179
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2023-01-01 11
2022: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 192
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 142
Number of retired or separated participants receiving benefits 2022-01-01 1
Number of other retired or separated participants entitled to future benefits 2022-01-01 17
Total of all active and inactive participants 2022-01-01 160
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 160
Number of participants with account balances 2022-01-01 159
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 20
2021: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 175
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 143
Number of retired or separated participants receiving benefits 2021-01-01 5
Number of other retired or separated participants entitled to future benefits 2021-01-01 43
Total of all active and inactive participants 2021-01-01 191
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 191
Number of participants with account balances 2021-01-01 185
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 3
2020: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 139
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 133
Number of retired or separated participants receiving benefits 2020-01-01 4
Number of other retired or separated participants entitled to future benefits 2020-01-01 35
Total of all active and inactive participants 2020-01-01 172
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 172
Number of participants with account balances 2020-01-01 153
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 6
2019: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 126
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 104
Number of retired or separated participants receiving benefits 2019-01-01 2
Number of other retired or separated participants entitled to future benefits 2019-01-01 27
Total of all active and inactive participants 2019-01-01 133
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 133
Number of participants with account balances 2019-01-01 124
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 5
2018: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 128
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 107
Number of retired or separated participants receiving benefits 2018-01-01 3
Number of other retired or separated participants entitled to future benefits 2018-01-01 16
Total of all active and inactive participants 2018-01-01 126
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 126
Number of participants with account balances 2018-01-01 114
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 1
2017: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 137
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 116
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 12
Total of all active and inactive participants 2017-01-01 128
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 128
Number of participants with account balances 2017-01-01 118
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 4
2016: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 139
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 116
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 21
Total of all active and inactive participants 2016-01-01 137
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 137
Number of participants with account balances 2016-01-01 128
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 3
2015: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 106
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 115
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 23
Total of all active and inactive participants 2015-01-01 138
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 138
Number of participants with account balances 2015-01-01 135
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 3
2014: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 103
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 92
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 14
Total of all active and inactive participants 2014-01-01 106
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 106
Number of participants with account balances 2014-01-01 101
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 2
2013: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 101
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 90
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 13
Total of all active and inactive participants 2013-01-01 103
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 103
Number of participants with account balances 2013-01-01 98
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 4

Measure	Date	Value
2023: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2023 401k membership
Total participants, beginning-of-year	2023-01-01	160
Total number of active participants reported on line 7a of the Form 5500	2023-01-01	153
Number of retired or separated participants receiving benefits	2023-01-01	0
Number of other retired or separated participants entitled to future benefits	2023-01-01	29
Total of all active and inactive participants	2023-01-01	182
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2023-01-01	0
Total participants	2023-01-01	182
Number of participants with account balances	2023-01-01	179
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2023-01-01	11
2022: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	192
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	142
Number of retired or separated participants receiving benefits	2022-01-01	1
Number of other retired or separated participants entitled to future benefits	2022-01-01	17
Total of all active and inactive participants	2022-01-01	160
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	160
Number of participants with account balances	2022-01-01	159
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	20
2021: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	175
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	143
Number of retired or separated participants receiving benefits	2021-01-01	5
Number of other retired or separated participants entitled to future benefits	2021-01-01	43
Total of all active and inactive participants	2021-01-01	191
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	191
Number of participants with account balances	2021-01-01	185
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	3
2020: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	139
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	133
Number of retired or separated participants receiving benefits	2020-01-01	4
Number of other retired or separated participants entitled to future benefits	2020-01-01	35
Total of all active and inactive participants	2020-01-01	172
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	172
Number of participants with account balances	2020-01-01	153
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	6
2019: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	126
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	104
Number of retired or separated participants receiving benefits	2019-01-01	2
Number of other retired or separated participants entitled to future benefits	2019-01-01	27
Total of all active and inactive participants	2019-01-01	133
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	133
Number of participants with account balances	2019-01-01	124
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	5
2018: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	128
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	107
Number of retired or separated participants receiving benefits	2018-01-01	3
Number of other retired or separated participants entitled to future benefits	2018-01-01	16
Total of all active and inactive participants	2018-01-01	126
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	126
Number of participants with account balances	2018-01-01	114
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	1
2017: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	137
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	116
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	12
Total of all active and inactive participants	2017-01-01	128
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	128
Number of participants with account balances	2017-01-01	118
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	4
2016: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	139
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	116
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	21
Total of all active and inactive participants	2016-01-01	137
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	137
Number of participants with account balances	2016-01-01	128
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	3
2015: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	106
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	115
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	23
Total of all active and inactive participants	2015-01-01	138
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	138
Number of participants with account balances	2015-01-01	135
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	3
2014: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	103
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	92
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	14
Total of all active and inactive participants	2014-01-01	106
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	106
Number of participants with account balances	2014-01-01	101
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	2
2013: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	101
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	90
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	13
Total of all active and inactive participants	2013-01-01	103
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	103
Number of participants with account balances	2013-01-01	98
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	4

Financial Data on FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN

Measure	Date	Value
2023 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2023 401k financial data
Unrealized appreciation/depreciation of real estate assets	2023-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2023-12-31	$0
Total unrealized appreciation/depreciation of assets	2023-12-31	$0
Total transfer of assets to this plan	2023-12-31	$0
Total transfer of assets from this plan	2023-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-12-31	$0
Expenses. Interest paid	2023-12-31	$0
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2023-12-31	$0
Total income from all sources (including contributions)	2023-12-31	$3,145,884
Total loss/gain on sale of assets	2023-12-31	$0
Total of all expenses incurred	2023-12-31	$1,716,712
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2023-12-31	$1,683,201
Expenses. Certain deemed distributions of participant loans	2023-12-31	$0
Value of total corrective distributions	2023-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2023-12-31	$1,235,429
Value of total assets at end of year	2023-12-31	$14,037,605
Value of total assets at beginning of year	2023-12-31	$12,608,433
Total of administrative expenses incurred including professional, contract, advisory and management fees	2023-12-31	$33,511
Total income from rents	2023-12-31	$0
Total interest from all sources	2023-12-31	$5,504
Total dividends received (eg from common stock, registered investment company shares)	2023-12-31	$394,825
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2023-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2023-12-31	$394,825
Assets. Real estate other than employer real property at end of year	2023-12-31	$0
Assets. Real estate other than employer real property at beginning of year	2023-12-31	$0
Assets. Corporate prefeered stocks other than exployer securities at end of year	2023-12-31	$0
Assets. Corporate prefeered stocks other than exployer securities at beginning of year	2023-12-31	$0
Was this plan covered by a fidelity bond	2023-12-31	Yes
Value of fidelity bond cover	2023-12-31	$4,500,000
If this is an individual account plan, was there a blackout period	2023-12-31	Yes
Were there any nonexempt tranactions with any party-in-interest	2023-12-31	No
Contributions received from participants	2023-12-31	$571,664
Participant contributions at end of year	2023-12-31	$100,185
Participant contributions at beginning of year	2023-12-31	$56,803
Participant contributions at end of year	2023-12-31	$0
Participant contributions at beginning of year	2023-12-31	$0
Assets. Other investments not covered elsewhere at end of year	2023-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2023-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2023-12-31	$59,634
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2023-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2023-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2023-12-31	$0
Assets. Loans (other than to participants) at end of year	2023-12-31	$0
Assets. Loans (other than to participants) at beginning of year	2023-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2023-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2023-12-31	$0
Other income not declared elsewhere	2023-12-31	$-38,291
Administrative expenses (other) incurred	2023-12-31	$0
Liabilities. Value of operating payables at end of year	2023-12-31	$0
Liabilities. Value of operating payables at beginning of year	2023-12-31	$0
Total non interest bearing cash at end of year	2023-12-31	$0
Total non interest bearing cash at beginning of year	2023-12-31	$77
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-12-31	No
Income. Non cash contributions	2023-12-31	$0
Value of net income/loss	2023-12-31	$1,429,172
Value of net assets at end of year (total assets less liabilities)	2023-12-31	$14,037,605
Value of net assets at beginning of year (total assets less liabilities)	2023-12-31	$12,608,433
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2023-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2023-12-31	No
Were any leases to which the plan was party in default or uncollectible	2023-12-31	No
Assets. partnership/joint venture interests at end of year	2023-12-31	$0
Assets. partnership/joint venture interests at beginning of year	2023-12-31	$0
Investment advisory and management fees	2023-12-31	$7,138
Value of interest in registered invesment companies (eg mutual funds) at end of year	2023-12-31	$12,709,496
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2023-12-31	$11,411,520
Value of interest in pooled separate accounts at end of year	2023-12-31	$0
Value of interest in pooled separate accounts at beginning of year	2023-12-31	$0
Interest on participant loans	2023-12-31	$5,504
Income. Interest from loans (other than to participants)	2023-12-31	$0
Interest earned on other investments	2023-12-31	$0
Income. Interest from US Government securities	2023-12-31	$0
Income. Interest from corporate debt instruments	2023-12-31	$0
Value of interest in master investment trust accounts at end of year	2023-12-31	$0
Value of interest in master investment trust accounts at beginning of year	2023-12-31	$0
Value of interest in common/collective trusts at end of year	2023-12-31	$1,227,920
Value of interest in common/collective trusts at beginning of year	2023-12-31	$1,140,033
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2023-12-31	$4
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2023-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2023-12-31	$0
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2023-12-31	$0
Assets. Value of investments in 103.12 investment entities at end of year	2023-12-31	$0
Assets. Value of investments in 103.12 investment entities at beginning of year	2023-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2023-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2023-12-31	$0
Expenses. Payments to insurance carriers foe the provision of benefits	2023-12-31	$0
Asset value of US Government securities at end of year	2023-12-31	$0
Asset value of US Government securities at beginning of year	2023-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2023-12-31	$1,514,245
Net investment gain/loss from pooled separate accounts	2023-12-31	$0
Net investment gain or loss from common/collective trusts	2023-12-31	$34,172
Net gain/loss from 103.12 investment entities	2023-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2023-12-31	No
Was there a failure to transmit to the plan any participant contributions	2023-12-31	No
Has the plan failed to provide any benefit when due under the plan	2023-12-31	Yes
Assets. Invements in employer securities at end of year	2023-12-31	$0
Assets. Invements in employer securities at beginning of year	2023-12-31	$0
Assets. Value of employer real property at end of year	2023-12-31	$0
Assets. Value of employer real property at beginning of year	2023-12-31	$0
Contributions received in cash from employer	2023-12-31	$604,131
Employer contributions (assets) at end of year	2023-12-31	$0
Employer contributions (assets) at beginning of year	2023-12-31	$0
Income. Dividends from preferred stock	2023-12-31	$0
Income. Dividends from common stock	2023-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2023-12-31	$1,683,201
Asset. Corporate debt instrument preferred debt at end of year	2023-12-31	$0
Asset. Corporate debt instrument preferred debt at beginning of year	2023-12-31	$0
Asset. Corporate debt instrument debt (other) at end of year	2023-12-31	$0
Asset. Corporate debt instrument debt (other) at beginning of year	2023-12-31	$0
Contract administrator fees	2023-12-31	$0
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2023-12-31	Yes
Assets. Corporate common stocks other than exployer securities at end of year	2023-12-31	$0
Assets. Corporate common stocks other than exployer securities at beginning of year	2023-12-31	$0
Liabilities. Value of benefit claims payable at end of year	2023-12-31	$0
Liabilities. Value of benefit claims payable at beginning of year	2023-12-31	$0
Assets. Value of buildings and other operty used in plan operation at end of year	2023-12-31	$0
Assets. Value of buildings and other operty used in plan operation at beginning of year	2023-12-31	$0
Did the plan have assets held for investment	2023-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2023-12-31	No
Aggregate proceeds on sale of assets	2023-12-31	$0
Aggregate carrying amount (costs) on sale of assets	2023-12-31	$0
Liabilities. Value of acquisition indebtedness at end of year	2023-12-31	$0
Liabilities. Value of acquisition indebtedness at beginning of year	2023-12-31	$0
Opinion of an independent qualified public accountant for this plan	2023-12-31	Unqualified
Accountancy firm name	2023-12-31	ANDERS MINKLER HUBER & HELM LLP
Accountancy firm EIN	2023-12-31	430831507
2022 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$-914,581
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$1,800,684
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$1,765,411
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$1,376,033
Value of total assets at end of year	2022-12-31	$12,608,433
Value of total assets at beginning of year	2022-12-31	$15,323,698
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$35,273
Total interest from all sources	2022-12-31	$1,169
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$375,055
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-12-31	$375,055
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$4,500,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$557,203
Participant contributions at end of year	2022-12-31	$56,803
Participant contributions at beginning of year	2022-12-31	$19,901
Assets. Other investments not covered elsewhere at end of year	2022-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2022-12-31	$9,039
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$227,050
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2022-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2022-12-31	$0
Other income not declared elsewhere	2022-12-31	$3,046
Total non interest bearing cash at end of year	2022-12-31	$77
Total non interest bearing cash at beginning of year	2022-12-31	$241
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-2,715,265
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$12,608,433
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$15,323,698
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Investment advisory and management fees	2022-12-31	$29,984
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$11,411,520
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$14,095,300
Interest on participant loans	2022-12-31	$1,169
Value of interest in common/collective trusts at end of year	2022-12-31	$1,140,033
Value of interest in common/collective trusts at beginning of year	2022-12-31	$1,199,217
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-2,689,315
Net investment gain or loss from common/collective trusts	2022-12-31	$19,431
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	No
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Contributions received in cash from employer	2022-12-31	$591,780
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$1,765,411
Contract administrator fees	2022-12-31	$5,289
Did the plan have assets held for investment	2022-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	ANDERS MINKLER HUBER & HELM LLP
Accountancy firm EIN	2022-12-31	430831507
2021 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$52,493
Total income from all sources (including contributions)	2021-12-31	$3,848,277
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$5,621,002
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$5,583,092
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$1,905,782
Value of total assets at end of year	2021-12-31	$15,323,698
Value of total assets at beginning of year	2021-12-31	$17,148,916
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$37,910
Total interest from all sources	2021-12-31	$741
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$1,677,276
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$1,677,276
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$4,500,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$544,743
Participant contributions at end of year	2021-12-31	$19,901
Participant contributions at beginning of year	2021-12-31	$35,693
Assets. Other investments not covered elsewhere at end of year	2021-12-31	$9,039
Assets. Other investments not covered elsewhere at beginning of year	2021-12-31	$9,039
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$818,534
Value of other receiveables (less allowance for doubtful accounts) at end of year	2021-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2021-12-31	$68,978
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2021-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2021-12-31	$52,493
Total non interest bearing cash at end of year	2021-12-31	$241
Total non interest bearing cash at beginning of year	2021-12-31	$3,489
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$-1,772,725
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$15,323,698
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$17,096,423
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Investment advisory and management fees	2021-12-31	$26,755
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$14,095,300
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$16,689,028
Interest on participant loans	2021-12-31	$741
Value of interest in common/collective trusts at end of year	2021-12-31	$1,199,217
Value of interest in common/collective trusts at beginning of year	2021-12-31	$342,689
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$248,502
Net investment gain or loss from common/collective trusts	2021-12-31	$15,976
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Contributions received in cash from employer	2021-12-31	$542,505
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$5,583,092
Contract administrator fees	2021-12-31	$11,155
Did the plan have assets held for investment	2021-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	ANDERS MINKLER HUBER & HELM LLP
Accountancy firm EIN	2021-12-31	430831507
2020 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total transfer of assets to this plan	2020-12-31	$311,624
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$52,493
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$1,398
Total income from all sources (including contributions)	2020-12-31	$3,663,678
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$1,527,342
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$1,494,141
Value of total corrective distributions	2020-12-31	$126
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$1,478,659
Value of total assets at end of year	2020-12-31	$17,148,916
Value of total assets at beginning of year	2020-12-31	$14,649,861
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$33,075
Total interest from all sources	2020-12-31	$1,422
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$641,821
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$641,821
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$4,500,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$469,925
Participant contributions at end of year	2020-12-31	$35,693
Participant contributions at beginning of year	2020-12-31	$31,657
Assets. Other investments not covered elsewhere at end of year	2020-12-31	$9,039
Assets. Other investments not covered elsewhere at beginning of year	2020-12-31	$9,039
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$561,281
Value of other receiveables (less allowance for doubtful accounts) at end of year	2020-12-31	$68,978
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2020-12-31	$293
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2020-12-31	$52,493
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2020-12-31	$1,398
Total non interest bearing cash at end of year	2020-12-31	$3,489
Total non interest bearing cash at beginning of year	2020-12-31	$3,388
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$2,136,336
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$17,096,423
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$14,648,463
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Investment advisory and management fees	2020-12-31	$30,534
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$16,689,028
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$14,155,226
Interest on participant loans	2020-12-31	$1,422
Value of interest in common/collective trusts at end of year	2020-12-31	$342,689
Value of interest in common/collective trusts at beginning of year	2020-12-31	$450,258
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$1,535,368
Net investment gain or loss from common/collective trusts	2020-12-31	$6,408
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Contributions received in cash from employer	2020-12-31	$447,453
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$1,494,141
Contract administrator fees	2020-12-31	$2,541
Did the plan have assets held for investment	2020-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Opinion of an independent qualified public accountant for this plan	2020-12-31	Unqualified
Accountancy firm name	2020-12-31	ANDERS MINKLER HUBER & HELM LLP
Accountancy firm EIN	2020-12-31	430831507
2019 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$1,398
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$1,398
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$1,501
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$1,501
Total income from all sources (including contributions)	2019-12-31	$3,149,892
Total income from all sources (including contributions)	2019-12-31	$3,149,892
Total loss/gain on sale of assets	2019-12-31	$0
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$644,904
Total of all expenses incurred	2019-12-31	$644,904
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$614,103
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$614,103
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$769,343
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$769,343
Value of total assets at end of year	2019-12-31	$14,649,861
Value of total assets at end of year	2019-12-31	$14,649,861
Value of total assets at beginning of year	2019-12-31	$12,144,976
Value of total assets at beginning of year	2019-12-31	$12,144,976
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$30,801
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$30,801
Total interest from all sources	2019-12-31	$1,811
Total interest from all sources	2019-12-31	$1,811
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$481,134
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$481,134
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$481,134
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$481,134
Was this plan covered by a fidelity bond	2019-12-31	Yes
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$4,500,000
Value of fidelity bond cover	2019-12-31	$4,500,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$347,223
Contributions received from participants	2019-12-31	$347,223
Participant contributions at end of year	2019-12-31	$31,657
Participant contributions at end of year	2019-12-31	$31,657
Participant contributions at beginning of year	2019-12-31	$41,216
Participant contributions at beginning of year	2019-12-31	$41,216
Assets. Other investments not covered elsewhere at end of year	2019-12-31	$9,039
Assets. Other investments not covered elsewhere at end of year	2019-12-31	$9,039
Assets. Other investments not covered elsewhere at beginning of year	2019-12-31	$14,311
Assets. Other investments not covered elsewhere at beginning of year	2019-12-31	$14,311
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$56,384
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$56,384
Value of other receiveables (less allowance for doubtful accounts) at end of year	2019-12-31	$293
Value of other receiveables (less allowance for doubtful accounts) at end of year	2019-12-31	$293
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2019-12-31	$304
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2019-12-31	$304
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2019-12-31	$1,398
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2019-12-31	$1,398
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2019-12-31	$1,501
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2019-12-31	$1,501
Total non interest bearing cash at end of year	2019-12-31	$3,388
Total non interest bearing cash at end of year	2019-12-31	$3,388
Total non interest bearing cash at beginning of year	2019-12-31	$1,541
Total non interest bearing cash at beginning of year	2019-12-31	$1,541
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$2,504,988
Value of net income/loss	2019-12-31	$2,504,988
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$14,648,463
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$14,648,463
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$12,143,475
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$12,143,475
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Investment advisory and management fees	2019-12-31	$29,509
Investment advisory and management fees	2019-12-31	$29,509
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$14,155,226
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$14,155,226
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$11,781,695
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$11,781,695
Interest on participant loans	2019-12-31	$1,811
Interest on participant loans	2019-12-31	$1,811
Value of interest in common/collective trusts at end of year	2019-12-31	$450,258
Value of interest in common/collective trusts at end of year	2019-12-31	$450,258
Value of interest in common/collective trusts at beginning of year	2019-12-31	$305,909
Value of interest in common/collective trusts at beginning of year	2019-12-31	$305,909
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$1,888,401
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$1,888,401
Net investment gain or loss from common/collective trusts	2019-12-31	$9,203
Net investment gain or loss from common/collective trusts	2019-12-31	$9,203
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$365,736
Contributions received in cash from employer	2019-12-31	$365,736
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$614,103
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$614,103
Contract administrator fees	2019-12-31	$1,292
Contract administrator fees	2019-12-31	$1,292
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Accountancy firm name	2019-12-31	ANDERS MINKLER HUBER & HELM LLP
Accountancy firm name	2019-12-31	ANDERS MINKLER HUBER & HELM LLP
Accountancy firm EIN	2019-12-31	430831507
Accountancy firm EIN	2019-12-31	430831507
2018 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$1,501
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$856,977
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$1,309,600
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$1,277,966
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$1,463,303
Value of total assets at end of year	2018-12-31	$12,144,976
Value of total assets at beginning of year	2018-12-31	$12,596,098
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$31,634
Total interest from all sources	2018-12-31	$1,411
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$528,466
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2018-12-31	$528,466
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$3,500,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$389,140
Participant contributions at end of year	2018-12-31	$41,216
Participant contributions at beginning of year	2018-12-31	$0
Assets. Other investments not covered elsewhere at end of year	2018-12-31	$14,311
Assets. Other investments not covered elsewhere at beginning of year	2018-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$474,236
Value of other receiveables (less allowance for doubtful accounts) at end of year	2018-12-31	$304
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2018-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2018-12-31	$1,501
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2018-12-31	$0
Total non interest bearing cash at end of year	2018-12-31	$1,541
Total non interest bearing cash at beginning of year	2018-12-31	$26,164
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$-452,623
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$12,143,475
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$12,596,098
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Investment advisory and management fees	2018-12-31	$29,296
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$11,781,695
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$12,569,934
Interest on participant loans	2018-12-31	$1,411
Value of interest in common/collective trusts at end of year	2018-12-31	$305,909
Value of interest in common/collective trusts at beginning of year	2018-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-1,142,635
Net investment gain or loss from common/collective trusts	2018-12-31	$6,432
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Contributions received in cash from employer	2018-12-31	$599,927
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$1,277,966
Contract administrator fees	2018-12-31	$2,338
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2018-12-31	Disclaimer
Accountancy firm name	2018-12-31	CUMMINGS RISTAU AND ASSOCIATES, PC
Accountancy firm EIN	2018-12-31	431738226
2017 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$2,141,440
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$1,995,074
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$1,967,049
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$672,072
Value of total assets at end of year	2017-12-31	$12,596,098
Value of total assets at beginning of year	2017-12-31	$12,452,070
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$28,025
Total interest from all sources	2017-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$381,783
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$381,783
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$301,435
Assets. Other investments not covered elsewhere at end of year	2017-12-31	$0
Assets. Other investments not covered elsewhere at beginning of year	2017-12-31	$13,097
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$4,236
Administrative expenses (other) incurred	2017-12-31	$4,205
Total non interest bearing cash at end of year	2017-12-31	$26,164
Total non interest bearing cash at beginning of year	2017-12-31	$164,791
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$146,366
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$12,596,098
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$12,452,070
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Investment advisory and management fees	2017-12-31	$17,187
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$12,182,802
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$10,057,748
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$1,080,325
Net investment gain or loss from common/collective trusts	2017-12-31	$7,260
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Assets. Invements in employer securities at end of year	2017-12-31	$0
Assets. Invements in employer securities at beginning of year	2017-12-31	$719,196
Contributions received in cash from employer	2017-12-31	$366,401
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$1,967,049
Contract administrator fees	2017-12-31	$6,633
Assets. Corporate common stocks other than exployer securities at end of year	2017-12-31	$387,132
Assets. Corporate common stocks other than exployer securities at beginning of year	2017-12-31	$1,497,238
Did the plan have assets held for investment	2017-12-31	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	CUMMINGS RISTAU AND ASSOCIATES, PC
Accountancy firm EIN	2017-12-31	431738226
2016 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$1,647,659
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$718,672
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$684,853
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$663,928
Value of total assets at end of year	2016-12-31	$12,452,070
Value of total assets at beginning of year	2016-12-31	$11,523,083
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$33,819
Total interest from all sources	2016-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$366,353
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$366,353
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$248,634
Assets. Other investments not covered elsewhere at end of year	2016-12-31	$13,097
Assets. Other investments not covered elsewhere at beginning of year	2016-12-31	$12,009
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$35,322
Administrative expenses (other) incurred	2016-12-31	$30,397
Total non interest bearing cash at end of year	2016-12-31	$164,791
Total non interest bearing cash at beginning of year	2016-12-31	$479,107
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$928,987
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$12,452,070
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$11,523,083
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$10,057,748
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$8,925,076
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$617,378
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Assets. Invements in employer securities at end of year	2016-12-31	$719,196
Assets. Invements in employer securities at beginning of year	2016-12-31	$669,936
Contributions received in cash from employer	2016-12-31	$379,972
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$684,853
Contract administrator fees	2016-12-31	$3,422
Assets. Corporate common stocks other than exployer securities at end of year	2016-12-31	$1,497,238
Assets. Corporate common stocks other than exployer securities at beginning of year	2016-12-31	$1,436,955
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	CUMMINGS RISTAU AND ASSOCIATES, PC
Accountancy firm EIN	2016-12-31	431738226
2015 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2015 401k financial data
Transfers to/from the plan	2015-12-31	$216,757
Total income from all sources	2015-12-31	$673,141
Expenses. Total of all expenses incurred	2015-12-31	$257,362
Benefits paid (including direct rollovers)	2015-12-31	$254,457
Total plan assets at end of year	2015-12-31	$11,523,083
Total plan assets at beginning of year	2015-12-31	$10,890,547
Value of fidelity bond covering the plan	2015-12-31	$3,500,000
Total contributions received or receivable from participants	2015-12-31	$230,949
Contributions received from other sources (not participants or employers)	2015-12-31	$50,711
Other income received	2015-12-31	$31,634
Net income (gross income less expenses)	2015-12-31	$415,779
Net plan assets at end of year (total assets less liabilities)	2015-12-31	$11,523,083
Net plan assets at beginning of year (total assets less liabilities)	2015-12-31	$10,890,547
Assets. Value of employer securities	2015-12-31	$669,936
Total contributions received or receivable from employer(s)	2015-12-31	$359,847
Expenses. Administrative service providers (salaries,fees and commissions)	2015-12-31	$2,905
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
2014 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2014 401k financial data
Total income from all sources	2014-12-31	$1,295,811
Expenses. Total of all expenses incurred	2014-12-31	$121,140
Benefits paid (including direct rollovers)	2014-12-31	$117,864
Total plan assets at end of year	2014-12-31	$10,890,547
Total plan assets at beginning of year	2014-12-31	$9,715,876
Value of fidelity bond covering the plan	2014-12-31	$3,500,000
Total contributions received or receivable from participants	2014-12-31	$200,129
Other income received	2014-12-31	$810,711
Net income (gross income less expenses)	2014-12-31	$1,174,671
Net plan assets at end of year (total assets less liabilities)	2014-12-31	$10,890,547
Net plan assets at beginning of year (total assets less liabilities)	2014-12-31	$9,715,876
Assets. Value of employer securities	2014-12-31	$594,404
Total contributions received or receivable from employer(s)	2014-12-31	$284,971
Expenses. Administrative service providers (salaries,fees and commissions)	2014-12-31	$3,276
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
2013 : FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2013 401k financial data
Total income from all sources	2013-12-31	$1,932,637
Expenses. Total of all expenses incurred	2013-12-31	$180,095
Benefits paid (including direct rollovers)	2013-12-31	$179,228
Total plan assets at end of year	2013-12-31	$9,715,876
Total plan assets at beginning of year	2013-12-31	$7,963,334
Value of fidelity bond covering the plan	2013-12-31	$3,500,000
Total contributions received or receivable from participants	2013-12-31	$192,468
Other income received	2013-12-31	$1,383,394
Net income (gross income less expenses)	2013-12-31	$1,752,542
Net plan assets at end of year (total assets less liabilities)	2013-12-31	$9,715,876
Net plan assets at beginning of year (total assets less liabilities)	2013-12-31	$7,963,334
Assets. Value of employer securities	2013-12-31	$614,108
Total contributions received or receivable from employer(s)	2013-12-31	$356,775
Value of corrective distributions	2013-12-31	$266
Expenses. Administrative service providers (salaries,fees and commissions)	2013-12-31	$601
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0

Form 5500 Responses for FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN

2023: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2023 form 5500 responses
2023-01-01	Type of plan entity	Single employer plan
2023-01-01	Submission has been amended	Yes
2023-01-01	This submission is the final filing	No
2023-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2023-01-01	Plan is a collectively bargained plan	No
2023-01-01	Plan funding arrangement – Trust	Yes
2023-01-01	Plan benefit arrangement - Trust	Yes
2022: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Insurance	Yes
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement – Insurance	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Insurance	Yes
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement – Insurance	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Insurance	Yes
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement – Insurance	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Insurance	Yes
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement – Insurance	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Insurance	Yes
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement – Insurance	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	Yes
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	Yes
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	Yes
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: FIRST NATIONAL BANK OF WATERLOO PROFIT SHARING AND SAVINGS PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	Yes
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

009627803

Policy instance

Insurance contract or identification number	009627803
Number of Individuals Covered	2
Insurance policy start date	2018-01-01
Insurance policy end date	2018-12-31
Are there contracts with allocated funds for individual policies?	1
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Insurance broker organization code?	3

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

009627803

Policy instance

Insurance contract or identification number	009627803
Number of Individuals Covered	3
Insurance policy start date	2017-01-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $3
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	1
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $3
Insurance broker organization code?	3
Insurance broker name	JON ALAN HENDERSON

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Company Name:	FIRST NATIONAL BANK OF WATERLOO
Employer identification number (EIN):	370573575
NAIC Classification:	522120
NAIC Description:	Savings Institutions