Call reports 2002
BANK OF WINONA — 2002
What BANK OF WINONA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 85,774,000 | 84,606,000 | 87,850,000 | 84,855,000 |
| Total loans | 37,584,000 | 37,272,000 | 38,425,000 | 38,876,000 |
| Allowance for loan losses | 830,000 | 790,000 | 815,000 | 836,000 |
| Securities available for sale | 34,517,000 | 35,737,000 | 31,127,000 | 31,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,613,000 | 71,526,000 | 74,053,000 | 71,717,000 |
| Interest-bearing deposits | 64,577,000 | 62,842,000 | 64,861,000 | 62,239,000 |
| Noninterest-bearing deposits | 9,036,000 | 8,684,000 | 9,192,000 | 9,478,000 |
| Equity capital | 11,728,000 | 12,465,000 | 13,062,000 | 12,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,263,000 | 2,491,000 | 3,704,000 | 4,828,000 |
| Interest expense | 551,000 | 1,046,000 | 1,500,000 | 1,934,000 |
| Net interest income | 712,000 | 1,445,000 | 2,204,000 | 2,894,000 |
| Noninterest income | 130,000 | 246,000 | 399,000 | 537,000 |
| Noninterest expense | 471,000 | 988,000 | 1,469,000 | 2,281,000 |
| Provision for loan losses | 15,000 | 20,000 | 50,000 | 75,000 |
| Pretax income | 356,000 | 683,000 | 1,084,000 | 1,075,000 |
| Income tax | 40,000 | 80,000 | 120,000 | 144,000 |
| Net income | 316,000 | 603,000 | 964,000 | 931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,444,000 | 11,731,000 | 12,093,000 | 11,778,000 |
| Total capital | 12,118,000 | 12,398,000 | 12,667,000 | 12,460,000 |
| Risk-weighted assets | 53,969,000 | 53,248,000 | 45,642,000 | 54,447,000 |
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