Call reports 2005
BANK OF WINONA — 2005
What BANK OF WINONA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 90,259,000 | 90,134,000 | 91,365,000 | 91,811,000 |
| Total loans | 37,062,000 | 37,850,000 | 39,368,000 | 38,557,000 |
| Allowance for loan losses | 623,000 | 667,000 | 705,000 | 689,000 |
| Securities available for sale | 33,289,000 | 33,346,000 | 33,167,000 | 32,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,917,000 | 76,134,000 | 77,211,000 | 78,585,000 |
| Interest-bearing deposits | 64,699,000 | 63,978,000 | 64,523,000 | 65,274,000 |
| Noninterest-bearing deposits | 12,218,000 | 12,156,000 | 12,688,000 | 13,311,000 |
| Equity capital | 12,628,000 | 13,180,000 | 13,271,000 | 12,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,113,000 | 3,250,000 | 4,389,000 |
| Interest expense | 296,000 | 616,000 | 975,000 | 1,370,000 |
| Net interest income | 735,000 | 1,497,000 | 2,275,000 | 3,019,000 |
| Noninterest income | 122,000 | 238,000 | 374,000 | 491,000 |
| Noninterest expense | 530,000 | 1,103,000 | 1,659,000 | 2,582,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 327,000 | 632,000 | 996,000 | 934,000 |
| Income tax | 19,000 | 38,000 | 57,000 | 235,000 |
| Net income | 308,000 | 594,000 | 939,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,703,000 | 12,989,000 | 13,334,000 | 12,090,000 |
| Total capital | 13,326,000 | 13,656,000 | 14,039,000 | 12,779,000 |
| Risk-weighted assets | 55,800,000 | 55,940,000 | 57,462,000 | 56,817,000 |
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