Call reports 2014
BANK OF WINONA — 2014
What BANK OF WINONA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 113,920,000 | 114,470,000 | 111,877,000 | 113,829,000 |
| Total loans | 39,147,000 | 39,155,000 | 39,979,000 | 38,940,000 |
| Allowance for loan losses | 588,000 | 622,000 | 646,000 | 658,000 |
| Securities available for sale | 49,576,000 | 51,185,000 | 51,337,000 | 52,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,293,000 | 99,905,000 | 96,644,000 | 98,388,000 |
| Interest-bearing deposits | 82,616,000 | 82,495,000 | 79,162,000 | 80,371,000 |
| Noninterest-bearing deposits | 17,677,000 | 17,410,000 | 17,482,000 | 18,017,000 |
| Equity capital | 10,430,000 | 11,295,000 | 11,915,000 | 12,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,045,000 | 2,026,000 | 3,087,000 | 4,097,000 |
| Interest expense | 148,000 | 296,000 | 443,000 | 586,000 |
| Net interest income | 897,000 | 1,730,000 | 2,644,000 | 3,511,000 |
| Noninterest income | 98,000 | 187,000 | 343,000 | 448,000 |
| Noninterest expense | 596,000 | 1,251,000 | 1,934,000 | 3,091,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 445,000 | 693,000 | 1,036,000 | 820,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 445,000 | 693,000 | 1,036,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,132,000 | 11,203,000 | 11,472,000 | 11,005,000 |
| Total capital | 11,720,000 | 11,825,000 | 12,118,000 | 11,663,000 |
| Risk-weighted assets | 56,397,000 | 56,572,000 | 55,700,000 | 54,816,000 |
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