Call reports 2019
BANK OF WINONA — 2019
What BANK OF WINONA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 124,836,000 | 124,818,000 | 122,876,000 | 122,938,000 |
| Total loans | 50,266,000 | 52,029,000 | 53,046,000 | 52,800,000 |
| Allowance for loan losses | 535,000 | 527,000 | 544,000 | 541,000 |
| Securities available for sale | 50,053,000 | 51,820,000 | 51,018,000 | 50,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,015,000 | 105,844,000 | 102,698,000 | 103,736,000 |
| Interest-bearing deposits | 83,945,000 | 83,404,000 | 80,845,000 | 79,650,000 |
| Noninterest-bearing deposits | 23,070,000 | 22,440,000 | 21,853,000 | 24,086,000 |
| Equity capital | 13,474,000 | 14,528,000 | 15,629,000 | 14,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,156,000 | 2,428,000 | 3,657,000 | 4,891,000 |
| Interest expense | 204,000 | 415,000 | 629,000 | 849,000 |
| Net interest income | 952,000 | 2,013,000 | 3,028,000 | 4,042,000 |
| Noninterest income | 84,000 | 173,000 | 527,000 | 620,000 |
| Noninterest expense | 774,000 | 1,517,000 | 2,311,000 | 3,618,000 |
| Provision for loan losses | 10,000 | 10,000 | 40,000 | 140,000 |
| Pretax income | 252,000 | 659,000 | 1,208,000 | 908,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 252,000 | 659,000 | 1,208,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,953,000 | 13,253,000 | 13,805,000 | 13,054,000 |
| Total capital | 13,488,000 | 13,780,000 | 14,349,000 | 13,595,000 |
| Risk-weighted assets | 65,882,000 | 66,975,000 | 66,566,000 | 83,802,000 |