Call reports 2004
BANK OF WINONA — 2004
What BANK OF WINONA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,839,000 | 88,885,000 | 89,759,000 | 88,820,000 |
| Total loans | 36,584,000 | 37,294,000 | 38,117,000 | 37,508,000 |
| Allowance for loan losses | 659,000 | 658,000 | 658,000 | 530,000 |
| Securities available for sale | 32,688,000 | 33,280,000 | 32,637,000 | 32,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,192,000 | 75,479,000 | 75,633,000 | 75,480,000 |
| Interest-bearing deposits | 65,547,000 | 64,135,000 | 63,516,000 | 64,110,000 |
| Noninterest-bearing deposits | 10,645,000 | 11,344,000 | 12,117,000 | 11,370,000 |
| Equity capital | 13,062,000 | 12,760,000 | 13,452,000 | 12,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,024,000 | 3,058,000 | 4,059,000 |
| Interest expense | 309,000 | 603,000 | 898,000 | 1,199,000 |
| Net interest income | 707,000 | 1,421,000 | 2,160,000 | 2,860,000 |
| Noninterest income | 125,000 | 243,000 | 376,000 | 487,000 |
| Noninterest expense | 500,000 | 1,043,000 | 1,546,000 | 2,439,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 45,000 |
| Pretax income | 344,000 | 633,000 | 988,000 | 904,000 |
| Income tax | 14,000 | 23,000 | 37,000 | 133,000 |
| Net income | 330,000 | 610,000 | 951,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,504,000 | 12,784,000 | 13,125,000 | 12,395,000 |
| Total capital | 13,163,000 | 13,442,000 | 13,783,000 | 12,925,000 |
| Risk-weighted assets | 55,629,000 | 56,651,000 | 56,518,000 | 55,359,000 |
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