Call reports 2006
BANK OF WINONA — 2006
What BANK OF WINONA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 95,632,000 | 94,990,000 | 94,691,000 | 92,901,000 |
| Total loans | 38,336,000 | 40,532,000 | 42,138,000 | 42,494,000 |
| Allowance for loan losses | 674,000 | 844,000 | 851,000 | 738,000 |
| Securities available for sale | 34,587,000 | 34,628,000 | 35,054,000 | 33,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,104,000 | 81,212,000 | 79,408,000 | 81,646,000 |
| Interest-bearing deposits | 68,719,000 | 66,640,000 | 65,957,000 | 67,105,000 |
| Noninterest-bearing deposits | 13,385,000 | 14,572,000 | 13,451,000 | 14,541,000 |
| Equity capital | 12,519,000 | 12,442,000 | 13,244,000 | 10,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,225,000 | 2,474,000 | 3,774,000 | 5,212,000 |
| Interest expense | 438,000 | 911,000 | 1,423,000 | 1,988,000 |
| Net interest income | 787,000 | 1,563,000 | 2,351,000 | 3,224,000 |
| Noninterest income | 152,000 | 274,000 | 416,000 | 545,000 |
| Noninterest expense | 558,000 | 1,116,000 | 1,702,000 | 2,676,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 381,000 | 721,000 | 1,065,000 | 1,097,000 |
| Income tax | 43,000 | 86,000 | 129,000 | 312,000 |
| Net income | 338,000 | 635,000 | 936,000 | 785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,822,000 | 13,120,000 | 13,420,000 | 10,209,000 |
| Total capital | 13,496,000 | 13,862,000 | 14,164,000 | 10,947,000 |
| Risk-weighted assets | 57,356,000 | 59,242,000 | 59,388,000 | 59,306,000 |
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