Call reports 2016
BANK OF WINONA — 2016
What BANK OF WINONA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 116,369,000 | 115,472,000 | 114,816,000 | 115,159,000 |
| Total loans | 45,944,000 | 45,266,000 | 46,127,000 | 45,766,000 |
| Allowance for loan losses | 720,000 | 602,000 | 482,000 | 478,000 |
| Securities available for sale | 50,185,000 | 49,464,000 | 48,187,000 | 47,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,002,000 | 98,392,000 | 97,463,000 | 100,035,000 |
| Interest-bearing deposits | 81,408,000 | 80,211,000 | 79,590,000 | 79,167,000 |
| Noninterest-bearing deposits | 18,595,000 | 18,182,000 | 17,873,000 | 20,868,000 |
| Equity capital | 12,829,000 | 13,452,000 | 13,657,000 | 11,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,086,000 | 2,198,000 | 3,276,000 | 4,346,000 |
| Interest expense | 143,000 | 282,000 | 424,000 | 560,000 |
| Net interest income | 943,000 | 1,916,000 | 2,852,000 | 3,786,000 |
| Noninterest income | 87,000 | 187,000 | 309,000 | 424,000 |
| Noninterest expense | 655,000 | 1,375,000 | 2,108,000 | 3,297,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 20,000 |
| Pretax income | 375,000 | 747,000 | 1,074,000 | 915,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 375,000 | 747,000 | 1,074,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,235,000 | 11,734,000 | 12,291,000 | 11,635,000 |
| Total capital | 11,955,000 | 12,336,000 | 12,773,000 | 12,113,000 |
| Risk-weighted assets | 58,406,000 | 61,130,000 | 60,111,000 | 63,427,000 |
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