Call reports 2009
BANK OF WINONA — 2009
What BANK OF WINONA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 105,102,000 | 100,920,000 | 98,258,000 | 97,011,000 |
| Total loans | 46,941,000 | 48,087,000 | 46,850,000 | 46,545,000 |
| Allowance for loan losses | 594,000 | 603,000 | 501,000 | 513,000 |
| Securities available for sale | 37,102,000 | 32,889,000 | 33,731,000 | 32,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,381,000 | 88,596,000 | 85,224,000 | 84,771,000 |
| Interest-bearing deposits | 78,063,000 | 74,563,000 | 73,018,000 | 72,503,000 |
| Noninterest-bearing deposits | 14,318,000 | 14,033,000 | 12,206,000 | 12,268,000 |
| Equity capital | 10,274,000 | 9,817,000 | 10,525,000 | 9,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,245,000 | 2,421,000 | 3,602,000 | 4,765,000 |
| Interest expense | 375,000 | 728,000 | 1,061,000 | 1,367,000 |
| Net interest income | 870,000 | 1,693,000 | 2,541,000 | 3,398,000 |
| Noninterest income | 127,000 | 240,000 | 372,000 | 489,000 |
| Noninterest expense | 610,000 | 1,174,000 | 1,834,000 | 3,003,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 360,000 | 708,000 | 999,000 | 776,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 35,000 |
| Net income | 350,000 | 688,000 | 969,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,704,000 | 10,889,000 | 11,075,000 | 10,577,000 |
| Total capital | 11,298,000 | 11,492,000 | 11,576,000 | 11,090,000 |
| Risk-weighted assets | 62,757,000 | 62,548,000 | 60,310,000 | 60,491,000 |
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