Call reports 2003
BANK OF WINONA — 2003
What BANK OF WINONA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 87,509,000 | 86,456,000 | 88,248,000 | 86,841,000 |
| Total loans | 38,662,000 | 37,600,000 | 37,651,000 | 36,751,000 |
| Allowance for loan losses | 800,000 | 673,000 | 671,000 | 664,000 |
| Securities available for sale | 32,872,000 | 29,478,000 | 32,147,000 | 33,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,264,000 | 72,768,000 | 74,554,000 | 73,629,000 |
| Interest-bearing deposits | 64,454,000 | 63,414,000 | 64,594,000 | 63,441,000 |
| Noninterest-bearing deposits | 9,810,000 | 9,354,000 | 9,960,000 | 10,188,000 |
| Equity capital | 12,726,000 | 13,121,000 | 13,124,000 | 12,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,066,000 | 2,078,000 | 3,058,000 | 4,087,000 |
| Interest expense | 383,000 | 761,000 | 1,115,000 | 1,434,000 |
| Net interest income | 683,000 | 1,317,000 | 1,943,000 | 2,653,000 |
| Noninterest income | 133,000 | 256,000 | 391,000 | 513,000 |
| Noninterest expense | 483,000 | 981,000 | 1,478,000 | 2,365,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 333,000 | 592,000 | 877,000 | 825,000 |
| Income tax | 40,000 | 81,000 | 121,000 | 114,000 |
| Net income | 293,000 | 511,000 | 756,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,071,000 | 12,289,000 | 12,534,000 | 12,174,000 |
| Total capital | 12,752,000 | 12,952,000 | 13,202,000 | 12,826,000 |
| Risk-weighted assets | 54,389,000 | 53,051,000 | 53,431,000 | 52,152,000 |
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