Call reports 2010
BANK OF WINONA — 2010
What BANK OF WINONA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 101,707,000 | 99,711,000 | 101,207,000 | 102,199,000 |
| Total loans | 45,695,000 | 46,756,000 | 46,684,000 | 46,245,000 |
| Allowance for loan losses | 541,000 | 536,000 | 568,000 | 588,000 |
| Securities available for sale | 34,340,000 | 34,107,000 | 34,654,000 | 35,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,013,000 | 86,752,000 | 87,693,000 | 90,594,000 |
| Interest-bearing deposits | 74,514,000 | 73,467,000 | 72,629,000 | 75,357,000 |
| Noninterest-bearing deposits | 14,499,000 | 13,285,000 | 15,064,000 | 15,237,000 |
| Equity capital | 10,176,000 | 10,346,000 | 10,862,000 | 8,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,100,000 | 2,202,000 | 3,299,000 | 4,406,000 |
| Interest expense | 296,000 | 588,000 | 880,000 | 1,158,000 |
| Net interest income | 804,000 | 1,614,000 | 2,419,000 | 3,248,000 |
| Noninterest income | 122,000 | 240,000 | 386,000 | 503,000 |
| Noninterest expense | 648,000 | 1,253,000 | 1,893,000 | 3,203,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 254,000 | 566,000 | 850,000 | 469,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 21,000 |
| Net income | 245,000 | 548,000 | 823,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,637,000 | 10,699,000 | 10,884,000 | 10,274,000 |
| Total capital | 11,178,000 | 11,235,000 | 11,452,000 | 10,862,000 |
| Risk-weighted assets | 61,899,000 | 64,554,000 | 67,154,000 | 70,738,000 |
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