Call reports 2013
BANK OF WINONA — 2013
What BANK OF WINONA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 119,838,000 | 114,112,000 | 108,908,000 | 112,758,000 |
| Total loans | 38,368,000 | 41,123,000 | 41,754,000 | 40,557,000 |
| Allowance for loan losses | 630,000 | 607,000 | 623,000 | 598,000 |
| Securities available for sale | 50,036,000 | 48,879,000 | 49,264,000 | 48,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,327,000 | 99,514,000 | 96,091,000 | 100,344,000 |
| Interest-bearing deposits | 84,316,000 | 81,868,000 | 80,078,000 | 81,029,000 |
| Noninterest-bearing deposits | 20,011,000 | 17,646,000 | 16,013,000 | 19,315,000 |
| Equity capital | 12,496,000 | 11,498,000 | 9,661,000 | 9,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,010,000 | 2,022,000 | 3,095,000 | 4,142,000 |
| Interest expense | 194,000 | 369,000 | 538,000 | 686,000 |
| Net interest income | 816,000 | 1,653,000 | 2,557,000 | 3,456,000 |
| Noninterest income | 126,000 | 226,000 | 345,000 | 478,000 |
| Noninterest expense | 606,000 | 1,120,000 | 1,745,000 | 3,026,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 86,000 |
| Pretax income | 319,000 | 767,000 | 1,147,000 | 866,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 319,000 | 767,000 | 1,147,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,762,000 | 11,023,000 | 11,275,000 | 10,743,000 |
| Total capital | 11,392,000 | 11,630,000 | 11,898,000 | 11,341,000 |
| Risk-weighted assets | 76,573,000 | 78,475,000 | 57,751,000 | 57,207,000 |
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