Call reports 2015
BANK OF WINONA — 2015
What BANK OF WINONA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 116,331,000 | 113,408,000 | 112,161,000 | 114,037,000 |
| Total loans | 39,467,000 | 39,170,000 | 41,128,000 | 42,962,000 |
| Allowance for loan losses | 675,000 | 683,000 | 706,000 | 717,000 |
| Securities available for sale | 51,775,000 | 50,708,000 | 51,776,000 | 50,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,178,000 | 98,279,000 | 96,251,000 | 98,497,000 |
| Interest-bearing deposits | 82,320,000 | 79,747,000 | 78,308,000 | 79,182,000 |
| Noninterest-bearing deposits | 17,858,000 | 18,532,000 | 17,944,000 | 19,315,000 |
| Equity capital | 12,812,000 | 11,707,000 | 12,421,000 | 12,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 995,000 | 2,015,000 | 3,079,000 | 4,141,000 |
| Interest expense | 145,000 | 288,000 | 428,000 | 568,000 |
| Net interest income | 850,000 | 1,727,000 | 2,651,000 | 3,573,000 |
| Noninterest income | 76,000 | 170,000 | 272,000 | 381,000 |
| Noninterest expense | 651,000 | 1,347,000 | 2,033,000 | 3,164,000 |
| Provision for loan losses | 20,000 | 39,000 | 58,000 | 71,000 |
| Pretax income | 267,000 | 523,000 | 829,000 | 717,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 267,000 | 523,000 | 829,000 | 717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,244,000 | 10,549,000 | 11,548,000 | 11,212,000 |
| Total capital | 11,919,000 | 11,232,000 | 12,254,000 | 11,929,000 |
| Risk-weighted assets | 57,826,000 | 59,605,000 | 60,950,000 | 62,776,000 |